
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
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 180-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
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).
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
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.
Yes, but the card is available only from the age of 6.
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.
- 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.
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+
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