Service package | Luminor
Mini package
SERVICEPRICE
Package executionfree of charge
Monthly package provision feeEUR 0,65*
Opening and maintenance of an unlimited number of RIKO*** current accountsfree of charge
Use of Internet-bank and connecting a single means of Identification - Code cardfree of charge
Unllimited number of payments within Bank from RIKO*** account to one's own or a third party's RIKO*** account through Internet-bank**free of charge
Unlimited number of outgoing payments in EUR within Luminor Group and DNB Group and to NDEA**** accounts and Standard SEPA payments through Internet-bank**free of charge
Execution of an unlimited number of Regular payment orders within Bank to one's own or a third party's account or another bank in Latvia in EUR**free of charge

Package is available to customers and applies to accounts, whose account number contains letters “RIKO” (LVxxRIKOxxxxxxxxxxxxx).

* If the average monthly balance of the Customer’s RIKO*** term deposits and current accounts in total exceeds EUR 5,000 no Monthly fee for the package is charged.
** See the acceptance cut-off time and payment execution period under “Payments”.
*** Account, which number contains letters “RIKO” (LVxxRIKOxxxxxxxxxxxxx).
**** Account, which number contains letters “NDEA” (LVxxNDEAxxxxxxxxxxxxx).


Fees for other services provided by the Bank to the Customer and not included in the Mini package for private individuals are payable under the Pricelist.

In case of changes in the package the new package enters into effect as of the following day.

Monthly fee for the use of package is payable in the beginning of every month for the precedent calendar month. If the Customer has made changes in the service package, for the month the change of package has taken place the Customer shall pay the fee for the more expensive package. If the Customer becomes the Bank’s customer and executes the package before the 15th date the Fee for the month the package was executed is payable in full. If the Customer becomes the Bank’s customer and executes the package after the 15th date the Fee for the month the package was executed is not payable.

Basic package
SERVICEPRICE
Package executionfree of charge
Monthly package provision feeEUR 1.65*
Monthly package utilisation fee for Seniors**with a 30% discount on the Basic service package utilisation fee
Opening and maintenance of an unlimited number of RIKO***** current accountsfree of charge
Producing of a single Visa Debit or Galactico Visa Debit payment card, monthly maintenance fee and renewal upon expiry***free of charge
Replacement of a card included in the package by a card with contactless payment functionality. free of charge
SMS info on account transactions the package card is linked to.free of charge
Use of Internet-bank and connecting a single means of Identification - Code cardfree of charge
Unlimited number of outgoing payments through Internet-bank****:
-payments within Bank from RIKO***** account to one’s own or a third party’s RIKO***** accountfree of charge
-payments in EUR within Luminor Group and DNB Group and to NDEA****** accounts free of charge
- standard SEPA Paymentsfree of charge
Execution of an unlimited number of Regular payment orders****:
-payments within Bank from RIKO***** account to one’s own or a third party’s RIKO***** accounfree of charge
-payments in EUR to another bank in Latvia or to NDEA****** accounts free of charge
Unlimited number of Regular invoice payments****free of charge

Package is available to customers and applies to accounts, whose account number contains letters “RIKO” (LVxxRIKOxxxxxxxxxxxxx).

* If the average monthly balance of the Customer’s RIKO***** term deposits and current accounts in total exceeds EUR 5,000 there is a 30% discount on the Monthly fee for the package
** Seniors - Customers at the age of 65 and above.
*** Cash withdrawal and review of the account balance through ATM is subject to the fee specified under “Payment cards”.
**** See the acceptance cut-off time and payment execution period under “Payments”;
***** Account, which number contains letters “RIKO” (LVxxRIKOxxxxxxxxxxxxx).
****** Account, which number contains letters “NDEA” (LVxxNDEAxxxxxxxxxxxxx).

Fees for other services provided by the Bank to the Customer, unless included in the Basic package for private individuals are payable under the Pricelist.

Without executing the package the Customer shall pay the Mini package fee and the fee for every service not included in the Mini package according to the service price under the Pricelist

In case of changes in the package the new package enters into effect as of the following day.

Monthly fee for the use of package is payable in the beginning of every month for the precedent calendar month. If the Customer has made changes in the service package, for the month the change of package has taken place the Customer shall pay the fee for the more expensive package. If the Customer becomes the Bank’s customer and executes the package before the 15th date the Fee for the month the package was executed is payable in full. If the Customer becomes the Bank’s customer and executes the package after the 15th date the Fee for the month the package was executed is not payable.

Basic package for kids and teens
SERVICEPRICE
Package executionfree of charge
Monthly package provision feewith a 85% discount on the Basic service package utilisation fee
Opening and maintenance of an unlimited number of RIKO***** current accountsfree of charge
Producing of a single Visa Debit or Galactico Visa Debit payment card, monthly maintenance fee and renewal upon expiry*, **free of charge
Replacement of a card included in the package by a card with contactless payment functionality. free of charge
SMS info on account transactions the package card is linked to.free of charge
Use of Internet-bank and connecting a single means of Identification - Code cardfree of charge
Unlimited number of outgoing payments through Internet-bank***:
-payments within Bank from RIKO***** account to one’s own or a third party’s RIKO***** accountfree of charge
-payments in EUR within Luminor Group and DNB Group and to NDEA****** accounts free of charge
- standard SEPA Paymentsfree of charge
Execution of an unlimited number of Regular payment orders****,****:
-payments within Bank from RIKO***** account to one’s own or a third party’s RIKO***** accounfree of charge
-payments in EUR to another bank in Latvia or to NDEA****** accountsfree of charge

Package is available to customers and applies to accounts, whose account number contains letters “RIKO” (LVxxRIKOxxxxxxxxxxxxx).

* Payment card use rules and limitations are stipulated under “Kids and teens’ payment cards Visa Debit, Galactico Visa Debit".
** Cash withdrawal and review of the account balance through ATM is subject to the fee specified under “Payment cards for children and youths VISA Debit, Galactico VISA Debit".
*** See the acceptance cut-off time and payment execution period under “Payments”.
**** The service is available just for Customers over 16
***** Account, which number contains letters “RIKO” (LVxxRIKOxxxxxxxxxxxxx).
****** Account, which number contains letters “NDEA” (LVxxNDEAxxxxxxxxxxxxx).

Fees for other services provided by the Bank to the Customer, unless included in the Basic package for private individuals are payable under the Pricelist.

Without executing the package the Customer shall pay the Mini package fee and the fee for every service not included in the Mini package according to the service price under the Pricelist.

In case of changes in the package the new package enters into effect as of the following day.

Monthly fee for the use of package is payable in the beginning of every month for the precedent calendar month. If the Customer has made changes in the service package, for the month the change of package has taken place the Customer shall pay the fee for the more expensive package. If the Customer becomes the Bank’s customer and executes the package before the 15th date the Fee for the month the package was executed is payable in full. If the Customer becomes the Bank’s customer and executes the package after the 15th date the Fee for the month the package was executed is not payable.

Daily Banking Package
SERVICEPRICE
Package executionfree of charge
Monthly package provision feeEUR 2.00
Opening and maintenance of an unlimited number of NDEA**** current accountsfree of charge
Single Maestro or MasterCard Debit payment card*without a monthly fee
Cash withdrawal from any other ATM in Latvia once in a month.free of charge
Unlimited number of outgoing payments through Internet-bank***:
-payments within Bank from NDEA**** account to one’s own or a third party’s NDEA**** accountfree of charge
-payments in EUR to RIKO*** accounts free of charge
- standard SEPA Paymentsfree of charge

Package is available to customers and applies to accounts, whose account number contains letters “NDEA” (LVxxNDEAxxxxxxxxxxxxx).

* Cash withdrawal and review of the account balance through ATM is subject to the fee specified under “Payment cards”.
** See the acceptance cut-off time and payment execution period under “Payments”;
*** Account, which number contains letters “RIKO” (LVxxRIKOxxxxxxxxxxxxx).
**** Account, which number contains letters “NDEA” (LVxxNDEAxxxxxxxxxxxxx).

Fees for other services provided by the Bank to the Customer, unless included in the Daily Banking Package for private individuals are payable under the Pricelist.

Comfort package
SERVICEPRICE
Package executionfree of charge
Monthly package provision feeEUR 3,65
Opening and maintenance of an unlimited number of RIKO***** current accountsfree of charge
Producing of a single Visa Classic payment card, monthly maintenance fee and renewal upon expiry*Free of charge
Producing of up to three Visa Debit or Galactico Visa Debit payment cards, monthly maintenance fee and renewal upon expiry*Free of charge
Replacement of a card included in the package by a card with contactless payment functionality. Free of charge
SMS info on account transactions the package card is linked to.Free of charge
Use of Internet-bank and connecting a single means of Identification - Code cardFree of charge
Connecting of a single Internet-bank means of identification - Code calculator Digipass 270**subject to 70% discount of the regular price specified in the Pricelist under "Use of E-channels"
Unlimited number of outgoing payments through Internet-bank***,****:
-payments within Bank from RIKO***** account to one’s own or a third party’s RIKO***** accountFree of charge
-payments in EUR within Luminor Group and DNB Group and to NDEA****** accounts Free of charge
-payments outside the Europe in EURFree of charge
- standard SEPA PaymentsFree of charge
-payments in other currencies within Luminor Group and DNB GroupFree of charge
-payments in CZK, DKK, NOK, GBP, CHF, PLN, SEK, USD, RUB, AUD, CAD, JPY, HKD, KZT, BYRFree of charge
Execution of an unlimited number of Regular payments orders***:
-payments within Bank from RIKO***** account to one’s own or a third party’s RIKO***** accountFree of charge
-payments in EUR to another bank in Latvia or to NDEA****** accountsFree of charge
- to another bank in Latvia in other currenciesFree of charge
Payment of an unlimited number of Regular invoice payments***Free of charge

Package is available to customers and applies to accounts, whose account number contains letters “RIKO” (LVxxRIKOxxxxxxxxxxxxx).

* Cash withdrawal and review of the account balance through ATM is subject to the fee specified under “Payment cards” or "Credit cards".
** Should the Customer opt for the Code calculator Digipass 270 at 70% discount and before the expiry of full 6 calendar months after execution of the Comfort Package change their arrangement to either Basic Package or Mini Package, the Customer shall be obligated to reimburse to the Bank for the obtained discount on the Code calculator pro rata to every calendar month the Customer is no more using the Comfort Package.
*** See the acceptance cut-off time and payment execution period under “Payments”.
**** Cross-border, currency payments, type "Standard", Fee "Shared (SHA)".
***** Account, which number contains letters “RIKO” (LVxxRIKOxxxxxxxxxxxxx).
****** Account, which number contains letters “NDEA” (LVxxNDEAxxxxxxxxxxxxx).

Fees for other services provided by the Bank to the Customer, unless included in the Comfort package for private individuals are payable under the Pricelist.

Without executing the package the Customer shall pay the Mini package fee and the fee for every service not included in the Mini package according to the service price under the Pricelist.

In case of changes in the package the new package enters into effect as of the following day.

Monthly fee for the use of package is payable in the beginning of every month for the precedent calendar month. If the Customer has made changes in the service package, for the month the change of package has taken place the Customer shall pay the fee for the more expensive package. If the Customer becomes the Bank’s customer and executes the package before the 15th date the Fee for the month the package was executed is payable in full. If the Customer becomes the Bank’s customer and executes the package after the 15th date the Fee for the month the package was executed is not payable.

Daily Banking Package PLUS
SERVICEPRICE
Package executionfree of charge
Monthly package provision feeEUR 4.00
Opening and maintenance of an unlimited number of NDEA**** current accountsfree of charge
Single MasterCard Credit card*without a monthly fee
Single Maestro or MasterCard Debit payment card*without a monthly fee
Cash withdrawal from any other ATM in Latvia once in a month.free of charge
Unlimited number of outgoing payments through Internet-bank***:
-payments within Bank from NDEA**** account to one’s own or a third party’s NDEA**** accountfree of charge
-payments in EUR to RIKO*** accounts free of charge
- standard SEPA Paymentsfree of charge

Package is available to customers and applies to accounts, whose account number contains letters “NDEA” (LVxxNDEAxxxxxxxxxxxxx).

* Cash withdrawal and review of the account balance through ATM is subject to the fee specified under “Payment cards” or "Credit cards".
** See the acceptance cut-off time and payment execution period under “Payments”;
*** Account, which number contains letters “RIKO” (LVxxRIKOxxxxxxxxxxxxx).
**** Account, which number contains letters “NDEA” (LVxxNDEAxxxxxxxxxxxxx).

Fees for other services provided by the Bank to the Customer, unless included in the Daily Banking Package PLUS for private individuals are payable under the Pricelist.

Gold package
SERVICEPRICE
Package executionFree of charge
Monthly package provision feeEUR 6,65
Opening and maintenance of an unlimited number of RIKO***** current accountsFree of charge
Producing of a single Visa Gold payment card, monthly maintenance fee and renewal upon expiry*Free of charge
Producing of an unlimited number of Visa Debit or Galactico Visa Debit payment cards, Visa Classic credit cards*, monthly maintenance fee and renewal upon expiryFree of charge
Replacement of an unlimited number of Visa Debit or Galactico Visa Debit payment cards, Visa Classic credit cards by a card with contactless payment functionality.Free of charge
SMS info on account transactions the package card is linked to.Free of charge
Use of Internet-bank and connecting a single means of Identification - Code card or Code calculator Digipass 270**Free of charge
Unlimited number of outgoing Payments through Internet-bank***,****:
-payments within Bank from RIKO***** account to one’s own or a third party’s RIKO***** accountFree of charge
-payments in EUR within Luminor Group and DNB Group and to NDEA****** accounts Free of charge
-payments outside the Europe in EURFree of charge
- standard SEPA PaymentsFree of charge
-payments in other currencies within Luminor Group and DNB GroupFree of charge
-payments in CZK, DKK, NOK, GBP, CHF, PLN, SEK, USD, RUB, AUD, CAD, JPY, HKD, KZT, BYRFree of charge
Execution of an unlimited number of Regular payments orders***:
-payments within Bank from RIKO***** account to one’s own or a third party’s RIKO***** accountFree of charge
-payments in EUR to another bank in Latvia or to NDEA****** accountsFree of charge
- to another bank in Latvia in other currenciesFree of charge
Payment of an unlimited number of Regular invoice payments***Free of charge

Package is available to customers and applies to accounts, whose account number contains letters “RIKO” (LVxxRIKOxxxxxxxxxxxxx).

* Cash withdrawal and review of the account balance through ATM is subject to the fee specified under “Payment cards” or "Credit cards".
** Should the Customer opt for the free Code calculator Digipass 270 and before the expiry of full 6 calendar months after execution of the Gold Package change their arrangement to either Comfort Package, Basic Package or Mini Package, the Customer shall be obligated to reimburse to the Bank for the obtained discount on the Code calculator pro rata to every calendar month the Customer is no more using the Gold Package.
*** See the acceptance cut-off time and payment execution period under “Payments”.
**** Cross-border, currency payments, type "Standard", Fee "Shared (SHA)".
***** Account, which number contains letters “RIKO” (LVxxRIKOxxxxxxxxxxxxx).
****** Account, which number contains letters “NDEA” (LVxxNDEAxxxxxxxxxxxxx).

Fees for other services provided by the Bank to the Customer and not included in the Gold package for private individuals are payable under the Pricelist.

Without executing the package the Customer shall pay the Mini package fee and the fee for every service not included in the Mini package according to the service price under the Pricelist.

In case of changes in the package the new package enters into effect as of the following day.

Monthly fee for the use of package is payable in the beginning of every month for the precedent calendar month. If the Customer has made changes in the service package, for the month the change of package has taken place the Customer shall pay the fee for the more expensive package. If the Customer becomes the Bank’s customer and executes the package before the 15th date the Fee for the month the package was executed is payable in full. If the Customer becomes the Bank’s customer and executes the package after the 15th date the Fee for the month the package was executed is not payable.