Card for kids and youngsters

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I'll handle it myself!

Free account and Debit card for children
Open your kid's first current account and receive 3 months of accident insurance included
Convenient remote onboarding

Insurance offer for your kid is valid if you apply for an account by June 17

Apply remotely

The same as for adults, but for kids

For free

Account from age 0, Luminor Debit card 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

Apply

Get accident insurance for your kid for free

- Includes tick-borne disease insurance
- Covers leisure sports and hobby activities
- Works 24/7 worldwide
- Valid for 3 months from the opening date of first Luminor current account

Risk cover:
- Trauma - EUR 2500
- Tick-borne diseases: tick-borne encephalitis - EUR 1000, Lyme disease - EUR 400
- Burns, frostbite - EUR 2500
- Disability - EUR 5000
- Death - EUR 5000

You can find insurance product information document here.
You can find accident insurance rules here.
Insurance company - Compensa Vienna Insurance Group ADB Latvia branch (reg. No 40103942087, address: Vienības gatve 87H, Riga, LV-1004).

When applying for the first current account for a minor during the period 14.05.-17.06.2025, we will provide accident insurance for the child free of charge for 3 months from the moment the current account is opened. After 3 months, the insurance will be automatically disabled.

Apply

Free Luminor Debit card for kids

- Internet bank and mobile app for your kid – parents can manage accounts and card transactions
- Available for children aged 6-21
- Parents can change limits for purchases and transfers

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 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

Apply

Explore Luminor Black

How to apply?

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!

Apply remotely

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)

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.

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

*The imposed limits do not include the transactions conducted without making sure by the recipient whether the funds on the account are sufficient to make the respective transaction (so‑called off‑line transactions).