Payment cards and packages

With us, all your daily needs are covered. Choose the card that suits you best, and a banking package will be assigned accordingly!

The right card for your everyday essentials – and more

New customers
0 EUR/month
for the first 2 months*

Existing customers without Black
3.50 EUR/month
for the first 3 months**

Visa Debit

The card that takes care of your basic needs

2,50 EUR/month

Learn more

* The discount is valid for new customers for the first 2 calendar months from the activation of Luminor Black package (if the package is activated within the period 01.06.2025 to 31.08.2025). For the third and next calendar months, the standard package fee (5.50 EUR/month) will be set according to Luminor Price List. The package monthly fee is applied for a calendar month, irrespective of the activation date. The offer is valid until 31.08.2025 or until revoked.
** A customer with an existing Luminor account, applying for the first time for the Luminor Black package and payment card until 31 August 2025, pays EUR 3.50/month for the package for the first three months. The monthly fee is calculated for the entire calendar month, regardless of the application date. From the fourth calendar month onwards, the fee for the package is EUR 5.50/month according to the Luminor price list.

Your everyday banking – made simple and clear

Luminor Black

Luminor Debit

Minimum service charge

Amount of current accounts

Amount of current accountsUnlimited

Euro payments in the internet bank and mobile app

Euro payments in the internet bank and mobile appUnlimited

Smart-ID authentication

Smart-ID authentication✅

Payment card (1) included in the package and its benefits

Payment card (1) included in the package and its benefitsLuminor Black

Payment card (1) included in the package and its benefitsVisa Debit

Payment card (1) included in the package and its benefitsNot included

Travel insurance for the cardholder and accompanying family members (2) both in Latvia and abroad. In addition, rental car deductible abroad

Travel insurance for the cardholder and accompanying family members (2) both in Latvia and abroad. In addition, rental car deductible abroad✅

Travel insurance for the cardholder and accompanying family members (2) both in Latvia and abroad. In addition, rental car deductible abroad❌

Insurance for in-person and online purchases

Insurance for in-person and online purchases✅

Insurance for in-person and online purchases❌

Broken and fractured bone insurance for the cardholder

Broken and fractured bone insurance for the cardholder✅

Broken and fractured bone insurance for the cardholder❌

Free cash withdrawal

Free cash withdrawalEUR 1950 per customer per calendar month: EUR 1200 at Luminor ATMs (3) and EUR 750 at any other banks’ ATMs worldwide (4) (6)

Free cash withdrawalEUR 750 per customer per calendar month (5): with no limit on the number of transactions at Luminor ATMs or 5 transactions at Swedbank, SEB, Citadele ATMs (6)

Free cash withdrawal❌

Option to add Safety+ to your card

Option to add Safety+ to your card+0.99 EUR/month

Option to add Safety+ to your card❌

Credit limit with 0% interest rate for up to 45 days

Credit limit with 0% interest rate for up to 45 daysOptional

Credit limit with 0% interest rate for up to 45 days❌

Fee for the service

Fee for the serviceSpecial offer!
New customers 0 EUR/month for the first 2 months (7).
Existing customers without Black 3.50 EUR/month for the first 3 months (8).
Standard fee: 5.50 EUR/month

Fee for the service2.50 EUR/month

Fee for the service1.30 EUR/month

Become a customer

Apply

(1) By choosing a payment card, you also choose a service package. If you decide to change your payment card, your service package will change too. The card issuance fee and the monthly fee for the card are included in the service package.
(2) Children (students up to the age of 24), spouse or cohabiting partner (1+ year of joint household).
(3) Free monthly limit of EUR 1,200 is common for all Luminor Black credit cards (including additional cards).
(4) Free monthly limit of EUR 750 is common for all Luminor Black credit cards (including additional cards) and all Citadele, SEB, Swedbank ATMs in Latvia, and ATMs of other banks worldwide.
(5) Free monthly limit of EUR 750 is common for all debit cards (including additional cards) and all Luminor ATMs in the Baltics and Citadele, SEB, Swedbank ATMs in Latvia.
(6) The fee is charged monthly for all debit cards / credit cards (including additional cards) together to the account from which the first cash withdrawal was made in the respective month.
(7) The discount is valid for new customers for the first 2 calendar months from the activation of Luminor Black package (if the package is activated within the period 01.06.2025 to 31.08.2025). For the third and next calendar months, the standard package fee (5.50 EUR/month) will be set according to Luminor Price List. The package monthly fee is applied for a calendar month, irrespective of the activation date. The offer is valid until 31.08.2025 or until revoked.
(8) A customer with an existing Luminor account, applying for the first time for the Luminor Black package and payment card until 31 August 2025, pays EUR 3.50/month for the package for the first three months. The monthly fee is calculated for the entire calendar month, regardless of the application date. From the fourth calendar month onwards, the fee for the package is EUR 5.50/month according to the Luminor price list.

Useful links

General Business Terms
Payment card rules
Payment rules
Standardized terms of services and their definitions (Glossary)
FAQ about Luminor Black package
Fee Information Document