Cards

How do I activate my card?

  • Received by post: a card received by post can be activated in the full version of the Internet Bank in section Accounts and cards -> My cards. The card received by post must be activated within 90 days. Otherwise, the activation button will be removed from the Internet Bank, but the card that has not been issued in a customer service centre will be destroyed.
  • Received in the customer service centre: if you received your payment card in our customer service centre, you can start using it immediately.

What does the reserved amount mean?

Reserved amounts are the card transactions made, which have already been deducted from the available balance, but have not been posted/visible in the account statement system yet. The real account balance is the one shown opposite to “Available balance”. 

When you click on the amount, the information on reserved transactions will appear.

How do I increase my credit card limit?

You cannot increase the credit limit for the cards, which are no longer issued (for the information on these products see the Pricelist). If you want to increase the limit for your existing card, apply for a credit limit in the Internet Bank section Accounts and cards → My cards filling the application “Luminor Black cards with a credit limit”.

What are the advantages of the Luminor Black credit card?

Find out about advantages of the Luminor Black card here

How does the Insurance coming with the credit card work? What do I do in case of an insured event?

Find out more about Travel insurance and what you should do in case of an insured event here

What is the PIN code of my new card?

If your card has expired and you have received a renewed new card automatically, your PIN code does not change – it is the same as for your previous card.

In other cases, when a new card has been issued, you will see its PIN code, when you activate the card. This can be done in the full version of the internet bank – go to Accounts and cards → My cards, find the card you want to activate. Then press “Activate and get a PIN code”. Follow the instructions in the popup window.

What should I do if I forgot my card’s PIN code?

You can apply for a card PIN code reminder in the full version of the internet bank in section Accounts and cards -> My cards by pressing “Restore PIN”.

You can view your PIN code reminder in your Internet Bank:

  • on a working day after 4 PM if the application is sent before 1 PM;
  • on the next working day after 4 PM if the application is sent after 1 PM.
The commission fee for the PIN code reminder is € 1.00.

Why doesn’t the ATM return my card?

If you enter your card’s PIN code in the ATM incorrectly three times, the ATM keeps the card. Therefore, you have to order a new card. Go to the full-version of the internet bank, section Accounts and cards → My cards. Then press “Replace card”.

What is the payment card limit for purchases and cash withdrawal?

For all VISA cards the daily limit for purchases is € 5000 and for daily cash withdrawal – € 5000 (or its equivalent in another currency) and the limit for cash withdrawal for a period of 30 days is € 20,000 (or its equivalent in another currency).

For safety considerations, the limit for cash withdrawal from ATM, equipped with the magnetic band technology only, is € 350 per day.

The limit for cash withdrawal from a trader (if the trader provides this service) is € 100 per purchase.

What do I do if my card’s expiry date is approaching?

We will renew your card automatically if you have used it for settlements in the last three months and it has a note regarding renewal. You can check it in the Internet bank section Accounts and cards → My cards → Restore card.

At least once a month before your card’s expiry date we recommend you to check that the delivery address for your card is specified correctly in the Internet Bank section Accounts and cards → My cards.

We will make your renewed card by date 15 of the month and send it to the delivery place selected by you.
Card delivery costs:

  • by post in the territory of Latvia – free of charge;
  • by post abroad – € 10;
  • at a customer service centre – € 10.
If the card is renewed the card keeps the PIN code of the previous card.

What do I do if someone made a purchase using my card without my knowledge? Or also I recognise the payment, but I have not received the product or service?

When you detect a fraudulent transaction, block the payment card in the Internet Bank or call us at +371 67 17 1880 immediately.

Then submit a claim:

  • in the Internet Bank section Messages → New application → Application from template → Claim regarding card transaction → Claim,
  • or in person at a customer service centre.
If the Internet Bank is not available, call our informative phone +371 67 17 1880 (the fee depends on the tariffs set by your operator). 

What do I do if I cannot make online purchases?

In the internet bank section Accounts and cards → My cards → Online purchases (Allow/Do not allow) check that the online purchase function is active.

Also make sure that you have enough funds for the transaction in your account.

If your account balance is sufficient and online purchases are allowed, contact us by informative phone +371 67 17 1880 to learn the reason for the refusal.

What is the commission fee for card purchases if the currency of my card transaction differs from the currency of the card account?

Such transactions are subject to a makeup of 3%, which is added to the currency exchange rate at the time of posting of the transaction (when the transaction appears in the account statement).

Take into account that currency exchange is in accordance with the currency exchange rate effective at the time of processing of the transaction by the provider of financial services.

What is the commission for cash transactions with a Visa Debit card?

Cash withdrawal with Visa Debit card:

  • in Luminor ATMs in Latvia, Lithuania and Estonia up to EUR 600 in a calendar months – without commission fee, while the amounts exceeding EUR 600 are subject to the commission fee of 0.2%.
  • in other bank, in ATMs of other banks – 2% of the transaction amount, min. EUR 3.50/USD 4.00 USD (if the transaction currency is different from the currency of your card account).
Cash deposit to own accounts in Luminor ATMs in Latvia with a card up to EUR 2000 in a calendar month is without a commission fee. A commission fee of 0.2% is deducted from the amount exceeding EUR 2000.

How do I connect/disconnect SMS messages about transactions in my card account?

Go to the internet bank section Accounts and cards → My cards → SMS messages → Review/Change. When you open this section, you can select the SMS settings type you like.

If your card is included in a Service package, the SMS service is free of charge. In other cases, according to the Pricelist.


Contactless technology

Contactless technology (contactless payments) – what does this mean?

The contactless technology makes it possible to pay for goods up to € 50 conveniently and easily without entering your PIN code.

A contactless card has a built-in antenna that transmits transaction information to/from the terminal at the point of sale (hereinafter – POS terminal). To carry out a transaction, you should for a moment bring your card close to the POS terminal.

What are the benefits of contactless cards?

All the payment cards issued by Luminor have a contactless payments function.

Contactless payments currently are the quickest and the simplest payment method.

You don’t need to worry about carrying cash with you to make small purchases.

You don’t have to enter your PIN code, if the purchase amount does not exceed € 50 (in some cases you will have to enter your PIN code for security and card authorisation considerations to make sure that it is still you who uses the card).

How do I know that I can make contactless payments with my card?

All the contactless payment cards have this icon: .


Contactless payments

Can I make contactless payments immediately after I receive my card?

No. You will first have to make a standard payment by inserting your card in the POS terminal and entering your PIN code or by withdrawing cash from a Luminor ATM.

How do I use my contactless card?

  • Find a POS terminal with the “contactless” icon.
  • Pay for the goods the value of which does not exceed € 50.
  • Bring you card close to the POS terminal for a moment.
  • The payment will be confirmed as soon as you see a green light and hear a beep. You will have to enter your PIN code from time to time for extra security.

How do I know whether the shop accepts contactless payments?

You can use your contactless card in any point of sale showing the icon .

Where can I use my contactless card?

You can use your contactless card in points of sales showing the icon .

Can I use the contactless technology to withdraw cash from an ATM?

Unfortunately not. Cash withdrawal from ATMs using the contactless technology is impossible.

How do I known that a payment has been executed?

The POS terminal signals that the payment has been executed by a green light and a beep.

Will I receive a POS terminal printout to check the payment?

You make contactless payments for small amount as quickly and as conveniently as possible. The cashier will issue a POS terminal printout for you to check the contactless payment transaction.

Can I use my contactless card abroad?

Yes, you can use your contactless card abroad and in Latvia in the places showing the icon .

What do I do if I don’t want to use the contactless function?

You can disable your card’s contactless function in the Internet Bank section Accounts and cards → My cards, select Contactless payments and click “Disable contactless payments”. To successfully process the application, you will have to make a payment by inserting your card in the POS terminal and entering your PIN code (or by withdrawing cash from a Luminor ATM).

Is the contactless technology safe?

Yes, it is safe. The contactless technology is based on a chip (card chip) and a PIN code, so you can feel safe when you pay. The restriction per payment is € 50, and you will be asked to enter your PIN code from time to time to make sure that you are the legitimate holder of the card. If your card has been lost or stolen, you are protected from losses caused by fraud. If your card has been lost or stolen, please call us immediately at any time of the day at +371 67 17 1880.

Is it possible to pay accidentally when going along a POS terminal?

No, it is not possible. At the moment of payment, the cashier will have to enter the amount in the POS terminal, and only then you will be asked to show your contactless card and bring it close to the terminal for several seconds.

Is there the slightest chance that one payment is executed twice?

No, it is not possible. Contactless POS terminals can process only one payment at a time. Additional means of security: the payment has to be completed or rejected before the next one.

Why am I not asked to enter my card’s PIN code?

To make contactless payments as convenient and simple as cash payments, the merchants, who accept contactless payments, do not ask to enter a PIN code for purchases below € 50.

If my card has been lost or stolen, can it be reused by another person?

If someone makes several contactless payments in a row, he or she will be asked to enter the PIN code to check the identity of the card holder. The maximum amount of contactless payments is € 50, and one or more payments can be made within this amount of € 50. If the purchase amount exceeds € 50, the PIN code will have to be entered and the card will have to be inserted in the POS terminal. If your card has been lost or stolen, please inform the bank as soon as possible so that we can block or replace your card.

What do I do, if my card has been lost or stolen?

If your card has been lost or stolen, please inform the bank as soon as possible by calling at +371 67 17 1880.

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