If your kid does not have the option to create Smart-ID account remotely, visit our customer service center together by booking a visit +371 67 17 1880, or order a code generator via Latvijas Pasts according to the price list.
Free Luminor Debit card for kids
Free Luminor Debit card for kids
- Contactless card
- Convenient remote onboarding with Smart-ID for the kid
The same as for adults, but for kids
For free
Luminor Debit for kids and youngsters 6 to 21 years
Remote onboarding
For parents or guardians who have account in Luminor
Safe and convenient
Internet bank and mobile app for you and your kids
Contactless card
Beep your phone in shops as well as in our ATM’s
Safety+
Enable for just €0.99 a month
Real bank for the younger generation
Parents will be able to:
- easy predefined money transfer to kids
- have full control and overview of kid's Internet bank
- change limits for purchases and transfers
- enable or disable online and contactless payments
Kids will be able to:
- pay with card in shops and online
- make cash withdrawal
- check the balance and make money transfers in internet bank and mobile app
- change PIN in ATM or remind it in internet bank
Luminor Black for kids – when bigger adventures await
- Here’s to safer field trips and holidays - Luminor Black comes with travel insurance both home and abroad
- Free 210-day purchase insurance that covers repair or reimbursement (terms and conditions apply)
- Free cash-out within the limit from Luminor and other bank ATMs worldwide
If you are a Luminor customer and have an electronic signature, you can open an account and order a card remotely for children under 18 years of age by filling in the application for opening an account for a child. If you are not a customer, apply here
Before starting application, create Smart-ID account for kid remotely here
Fill in application, add necessary documents, choose needed products and submit a digitally signed application
Sign e‑documents. We will send you e‑mail with a link to Dokobit system for document signing
Receive card and start using Luminor services!
Needed documents for parents
- Kid’s birth certificate and his ID card or passport (mandatory from age 15)
Needed documents for legal guardian
- Decision of the Custody Court regarding the establishment of guardianship or the appointment of a guardian
- Kid’s birth certificate and his ID card or passport (mandatory from age 15)
Card for kids and youngsters - questions and answers
What to do if a child already has an account, but now needs a card and internet bank?
If the child has only an account and no access to the internet bank, then the parent can open the internet bank for the child remotely by following the steps here. If the parent/child’s representative does not have an electronic signature, then the internet bank can also be opened at one of our branches.
If the account is opened and a card is needed, then the parent can order the card via the child’s internet bank (under Accounts and cards / My cards / Order new card).
Is it possible to order a card for the child under the parent’s account? How to do this?
If the additional card user is a Luminor customer, the account owner orders additional card via the internet bank: Accounts and Cards / My cards / Order a new card for other person / If additional card holder is Luminor customer / Enter user’s personal identity number.
If the additional card holder is not a Luminor customer, he / she will need internet bank access to activate the card. Internet bank access should be requested by the parent before (see answer to the previous question).
Additional card’s age limits:
- Luminor Debit available from age 6
- Luminor Black available from age 12
- Infinite (for Private Banking customers) available from age 12
From what age the child can use internet bank?
Internet bank access has no age restrictions, but age can differ for IB identification tools:
- To access the internet bank remotely, the bank will issue a code generator (no age limitations).
- Access to Smart-ID can be provided at the branch as well as remotely (it is necessary for the account to be verified by one of the parents or a legal guardian). Smart-ID itself has no age restrictions for its users but age limits have been set depending on the Smart-ID account type and authentication method chosen.
Is it possible to open an account for children under 6-years-old?
Yes, but the card is available only from the age of 6.
How can parents change internet bank limits/rights for the child after account opening?
The parent via child’s internet bank needs to fill in one of these applications:
Internet bank / Applications / Internet bank / Change existing user settings / Change payment limits / Change rights.
What are the travel and purchase insurance rules for my child’s Luminor Black?
- A child is a person under the age of 18 (except persons who have been deemed by the court).
- Travel insurance rules and limits apply regardless of the card holder’s age.
- Purchase insurance rules and limits apply regardless of the card holder’s age.
- In case of an insured event, the claim can only be submitted by a child’s parent or legal guardian.
What are the cash-out and payment operation limits applied to payment cards
| Kid's age | Daily cash withdrawal limit | Purchase limit per day (including online) | Monthly Cash withdrawal limit |
|---|---|---|---|
| 6-15 years | EUR 30 | EUR 150* | EUR 300 |
| 16-17 years | EUR 30 | EUR 700* | EUR 700 |
Make card even safer with Safety+
Looking for something more?
