Luminor Black | Luminor

Luminor Black covers it all

Unlimited euro transfers, accounts, card, travel and purchase insurance
Only 3.50 EUR/month for the first 3 months (1)

Apply for Luminor Black remotely!

Get Luminor Black

Why do our customers choose Luminor Black?

Travel insurance - for you and your family travelling together, whether going abroad or staying local. The insurance is valid as soon as you activate your card.
180-day purchase insurance - shop with confidence! Get coverage for repairs or reimbursement on eligible purchases, e.g., gadgets, glasses, sports equipment or even furniture.
Cash withdrawal without a commission fee: up to EUR 1,200 per month per customer at Luminor ATMs in the Baltics and in addition EUR 750 per month at the ATMs of any other bank (2) in Latvia and worldwide.
Enable or disable your card, manage contactless and online payments, check PIN any time on mobile app or in the internet bank, and for an additional fee add services Safety+ and Priority Pass.
Support in case of broken and fractured bones – receive EUR 100 even if the injury occurred at home!
Credit limit is optional. You can order Luminor Black with or without credit limit while keeping all the other benefits available to credit card owners. The choice is yours.

Travel insurance

Covering trips in Latvia and abroad for you and your family (3) travelling together.

With Luminor Black you’ll receive:
- worldwide coverage,
- medical coverage up to EUR 300 000,
- coverage for a large range of sport activities,
- rental car deductible abroad up to EUR 500,
- support on travel cancellation, lost luggage, flight delay, or missed arrival.

Visit new cities, countries, and continents, enjoying the safety of always having insurance. Detailed information on the insured risks, coverage, and exclusions is available here: terms and conditions, Travel Insurance Information Document (in Latvian).

Purchase insurance

Life happens! Always use your Luminor Black card when shopping so you don’t miss out on an item that could benefit from purchase insurance.

Feel more confident with automatic purchase insurance in case of sudden and unexpected damage, destruction, and burglary (forcible entry involved). Valid for goods purchased at full price.

- Make the purchase with Luminor Black card: by using the physical card, e-wallet, or making an online purchase with card details.
- Save the purchase receipt or invoice.
- The insurance is valid for as long as you have a Luminor Black card, but no longer than 180 days from the date of purchase.
- The coverage applies to durable goods, such as electronic devices, furniture, jewellery, eyewear, sports gear, and tools.

Enjoy your new purchase for longer! Read the terms and conditions and see detailed information in the Purchase Insurance Guidelines (in Latvian).

Broken and fractured bone insurance

Luminor Black is with you every step of the way – even at home! In case of broken or fractured bones, receive financial support of EUR 100.

- Applies to Luminor Black cardholders.
- You’ll need to submit X-ray, CT scan or MRI scan results.
- No medical receipts or cost-related documents are required.

Explore detailed rules here.

What to do in case of an insured event?

Travel insurance:
- If you have an insurable accident abroad and need coverage for medical expenses, contact our travel assistance partner UAB OPS International by phone +371 6755 8899 or eclaims.eu;
- In case of a non-medical insured event, upon your return to Latvia, please fill in an application form online at eclaims.eu;

Purchase insurance:
- submit an application to Compensa Vienna Insurance Group online at compensa.lv or by phone 8888;
- submit a receipt or invoice confirming that the product was purchased with a Luminor Black card;
- attach photos of the damaged or stolen item.

Broken and fractured bone insurance:
- submit an application to Compensa Vienna Insurance Group online at compensa.lv or by phone 8888;
- attach X-rays and/or CT scans, MRI scans to the application.

Luminor travel, purchase and broken and fractured bone insurance is provided by Compensa Vienna Insurance Group ADB Latvia Branch, reg. No. 40103942087, Vienibas gatve 87H, Riga.

Optional credit limit – a flexible financial solution

Credit limit on a payment card is an already pre-approved credit amount, available to you any time. This is shown as a positive balance on your card account. Deposit your personal funds or salary into the same account and use Luminor Black as your everyday payment card.

- The minimum credit limit amount is EUR 600.
- If you repay the amount used within 45 days, no interest will be charged.
- Interest applies only to the amount spent and not repaid by the 15th of the following month.
- If you already have a Luminor Black card, apply for credit limit in your internet bank.

(1) 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.
(2) Some ATMs abroad may impose a commission fee, notifying about it on the screen. To withdraw money without a commission fee, please use another ATM network. This fee will be included in the total amount of the cash withdrawal transaction, which may result in exceeding the total Luminor Black free cash withdrawal limit.
(3) Family: children (minors and students up to the age of 24), spouse or cohabiting partner (1+ year of joint household) travelling together with the cardholder.

Cash transactions

Cash deposit	Cash-out at a Luminor ATM	Cash-out at other ATMs
Free up to € 1200 per calendar month	Free up to € 1200 per calendar month	Free up to € 750 per calendar month*
2% of a sum exceeding € 1200 (min. € 3.50)	2% of a sum exceeding € 1200 (min. € 3.50)	2% of a sum exceeding € 750 (min. € 3.50)

*Certain ATMs abroad may impose an ATM fee, notifying about it on the ATM screen. To withdraw money without a commission fee, please use another ATM network.
See our price list for more information.

Standard limits for cash and purchase transactions

Daily cash-out limit €	Purchase limit per day (including online) €	Monthly cash-out limit €
5 000	5 000*	20 000

*Offline transactions not included in the limit.
If you’d like to change your cash-out and payment limits, send us an internet bank message or call us at +371 67 17 1880. The fees for changing limits are listed in our price list. There’s no fee if the limits are changed to the standard or amounts below the standard.