Payments – questions and answers

If you make a payment on a business day until 4.00 PM, it will be transferred to the beneficiary’s account until the end of the day.

If you make a payment after 4.00 PM — on the next business day. In turn, if you are awaiting an incoming payment made within business hours — the money will reach your account until 7.00 PM. However, if a payment is made after business hours — you will receive it on the next business day.

For the purpose of taking care of security of funds, we have set different payment limits — they vary depending on the means of identification used by the customer.

The limits can be viewed on the Internet bank section Settings → Internet bank settings → Account and client settings.

For private individuals
Code calculator Digipass DP270 — default limit/the bank’s maximum limit

• Operation limit — € 75,000/€ 1,500,000
• Daily limit — € 75,000/€ 1,500,000

• Operation limit — € 75,000/€ 5,000,000
• Daily limit — € 75,000/€ 5,000,000

Go to the full-version Internet bank section Payments → Payments list. Open the payment you want to cancel and select the option Cancel the payment in the bottom left corner.

Bear in mind - a commission fee is applicable for cancelling a payment in accordance with the price list.
 

If the payment has not been processed yet, it must get cancelled immediately. To learn how to do that, refer to the question How can I cancel a payment?

If the payment has already been processed and the funds are no longer on the account, payment correction must be done. Message us on the Internet bank, specifying the correct details.

Bear in mind — a commission fee is applicable for correcting or cancelling a payment in accordance with the price list.
 

Go to the full-version Internet bank section Payments→ Payments list.

Select the account number that you made the payment from, the time period when the payment was made and click the Select button on the right side.

To save a payment order in PDF format, open the payment and click the Print button in the bottom right corner.

No, we do not offer instant payments currently. You can make payments in 3 ways: 

• Standard SHA/OUR payment order received in the Digital Channels during a business day is transferred to the correspondent bank within 2 business days;
• Urgent SHA/OUR payment order received in the Digital Channels during a business day is transferred to the correspondent bank on the next business day;
• Express SHA/OUR payment order received in the Digital Channels during a business day until 4.00 PM is transferred to the correspondent bank on the same business day.

If your payment is not executed or got withheld, check for messages in your Internet bank and e-mail.

If you have already made a payment and want to save it under your templates, go to the full-version Internet bank, section Payments → Payments list, find the respective payment and click the button Create a template.

You can create a template when making a new payment. Enter all the parameters and select Save as template on the bottom.

You can find the Bank’s templates also on the full-version Internet bank, section Payments → Payment templates → Bank templates
 

We will retain a payment with the status Accepted for ten calendar days. If there are no sufficient funds on your account within ten days, the payment will get cancelled and will not be executed.

You need to check payment status - if it is Processed, as well as appears on the account statement, and the account balance has gone down by the payment sum, then the payment has been executed.

A beneficiary address must be added for all international payments in separate fields. International payments without a beneficiary address will be rejected.

The payment type depends on the payment currency:

• SEPA European payment — intended for standard urgency EUR transfers within Latvia and EEA to SEPA countries without an additional commission fee;
• International payment — intended for EUR transfers to all other countries, as well as for transfers of other currencies to any country.

If the sum of bills and other payments is constant every month, you should use standing order. If the sum differs, and a contract on monthly payment of bills is concluded with the service provider, register regular invoice payments.

Go to the full-version Internet bank section Payments → Regular invoice payments.

Familiarise with the rules of regular payment of invoices.

You can track the settlement of your invoices at rekini.lv and your Internet bank.

If you have Mini package, a commission fee is withheld for regular payments or monthly payment of bills in accordance with the Price list. This service is included free-of-charge in other packages. Check your service package on the full-version Internet bank section Accounts and cards → Packages.

Automatically import payments prepared on your accounting system:

• in ISO 20022 format,
• in FiDAViSta format,
• in format of Luminor text: domestic (10B), international (10E) and consolidated (11A) payments.

1. Make a file of imported payment(s) in the accounting software and save it on your computer.
2. Open section Payments → New payment.
3. On the left side, select Payment import.
4. Click on Select file, select the payment file.
5. Click the button Upload.
6. View the notification regarding the uploaded payments. All the successfully uploaded payments are automatically added to the List of unconfirmed payments.
7. Go to Unconfirmed payments to enter the confirmation code and forward the imported payments for execution.