Bank card for kids

I’m going solo from now on 

I’m going solo from now on 

  • Remote account opening and Debit card – all free of charge
  • Free ISIC card for full independence!
  • 3-month accident insurance for child included


Offer valid when ordering the first payment card for child from 10.05.2023 to 20.06.2023

Same card but for children 

  • Payment card available starting from age 6
  • Cash withdrawal at ATM
  • Beep your phone in shops and at our ATM’s 

Worry less during summer with accident insurance for your child 

  • Valid for 3 months from the moment the card is ordered 
  • Works 24/7 worldwide

Risk coverage:

Bone fractures and injuries 2500 EUR; permanent disability 5000 EUR; In the event of death 5000 EUR .

You can find information with an extract from the insurance terms and conditions here.

Accident insurance is provided by Compensa Vienna Insurance Group ADB Latvia branch (registration number 40103942087, address: Vienības gatve 87H, Riga, LV-1004).

View full terms and conditions

Parents are in control 

  • Predefine periodic money transfer to child 
  • Full control and overview of child’s internet ban
  • Change limits for transfers
  • Enable or disable online and contactless payments

Everyday benefits with ISIC

Order a payment card for your child and receive a code to get an ISIC card for free

  • International identity and discount card
  • More than 550 discounts available in Latvia and 150,000 worldwide

Learn more

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

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

Receive a card and a code generator. If you apply remotely, your child will receive a payment card and a code generator free of charge via Latvijas Pasts. To activate the code generator, the parent or guardian must send a message in their internet bank. The card will be activated in the child's internet bank

If you prefer to use a Smart‑ID‑enabled internet bank, you will need to visit our customer service center with your child. Please call +371 67 17 1880 to book a visit

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 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.

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).

Improve your daily banking

Luminor Black with insurance benefits available for children now

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Make effortless payments with digital wallets

Uzzināt vairāk

Your child already has an account? Add a payment card 

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