Card for kids and youngsters

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

Apply

New generation also deserves the real bank

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

Open kid’s account remotely!

For kids up to 18 years old account can be opened by one of the parents (or legal guardian) remotely if he is a Luminor customer and has a digital signature. Make sure your provided data is up to date.

If you are not our customer yet, please fill in here.

Applying remotely, a kid will receive a card and a code calculator for Internet bank free of charge by post in Latvia.

In case you prefer Smart-ID account opening – you will need to visit our branch with your kid. To apply for a branch visit call us +371 67 17 1880.

How to apply?

If you are a Luminor customer, fill in web application for kid account opening by authorizing through your internet bank

Choose needed products, add documents and submit a digitally signed application

Sign e‑documents. We will send you e‑mail with a link to Dokobit system for document signing

Get the card and code calculator. To activate the code calculator, please send message via parent’s internet bank. Card is activated in kid’s internet bank

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)

	Daily cash withdrawal limit	Purchase limit per day (including online)	Monthly Cash withdrawal limit
6-15 years	EUR 30	EUR 150*	EUR 300
16-18 years	EUR 30	EUR 700*	EUR 700

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 only in the branch. 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.

Can I be part of the accident insurance offer if I have an account already opened for my child but no card yet?

Yes, you can but then you need to order the card during the campaign period of 16 May until 24 June 2022. And it’s important you get in touch with us by calling +371 67 17 1880 and ask for the insurance to be added. Then our representative can issue the certificate.

If you already have an account and card for the child prior to the campaign start, then unfortunately the offer does not apply for you on this occasion.

The same as for adults, but for kids

New generation also deserves the real bank

Open kid’s account remotely!

Adjustable Payment Limits

Card for kids and youngsters - questions and answers

Useful links

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