Payment cards for children and youths VISA Debit, Galactico VISA Debit | Luminor
Provision of debit card (producing and maintenance)
SERVICEPRICE
Card account currencyEUR*
Fee for production / replacement of Card
- VISA DebitEUR 4,00
- Galactico VISA Debit (new Galactico VISA Debit payment cards are not issued from 01.02.2019)**EUR 4,00
Extra fee for the urgent production / replacement of Card***EUR 25,00
Card delivery to the Service places****EUR 5,00
Card delivery per mail
- Within LatviaFree of charge
- AbroadEUR 10,00
PIN code reminderEUR 1,00
Monthly fee for Card maintenance*****
- VISA DebitEUR 1,30
- Galactico VISADebitEUR 1,30

* If in exceptional case the Account, to which the Card issued to a child or youth is pegged, is opened in the USD currency, the fees for the issuance and service of such a Card are applied in conformity with the List of Condition’s section “Payment cards VISA Debit, Galactico VISA Debit.
If the Payment card issued to a youth is resumed after turning 18, to the Payment card produced for the new maturity period will apply standard limits and Payment card production and maintenance fees as stated in Price List on the respective type of Card.
** The card can be executed to youths after turning 16.
*** If the Card is ordered on a banking day by 12.00, it shall be produced and supplied to Service places in Riga within 5 hours and to Service places outside Riga on the next banking day.
**** The fee is not applicable if the Customer pays the Fee for an urgent manufacturing of the Card
***** The monthly fee for the Card service is due starting from the next month after the month when the Card was made and shall be paid (for the previous month) on the date on which the Card was made.
If the limits by virtue of the youth’s request after turning 16 are not replaced to comply with those imposed on youths’ Card s, the limits imposed on the children’s Card shall be applicable.

Card transactions
SERVICEPRICE
Card account currencyEUR
Cash withdrawal*
- from ATMs of Luminor (Latvia, Lithuania, Estonia)Free of charge
- at another bank, from ATMs of another bank2% of the transaction amount, min. EUR 3.50
- at the merchant (if merchant offers such service)**Free of charge
Purchases within the borders of Latvia and abroad***Free of charge
Currency exchange mark-up****3,0%

* Cash withdrawal limit from ATMs:
- Daily limit: children below 15 - EUR 30.00; youths over 16 - EUR 70.00;
- Limit within a 30-day period: children below 15 - EUR 150.00; youths over 16 - EUR 700.00.

If the Card account currency is USD or transactions are made in another currency than EUR, the limits specified in this section shall be recalculated to the Card account currency in the beginning of each respective period at the EUR reference rate published by the European Central Bank, in compliance with the provisions set forth for applying such exchange rate by the Bank’s General Transacting Rules.
*** Limit on purchases within a 30-day period: children below 15 - EUR 150.00; youths over 16 EUR 700.00 (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)).
** Cash withdrawal limit at the merchant per shopping time - EUR 100.00.
**** Currency exchange mark-up is added to the currency exchange rate (reference exchange rate) applicable to the transaction executed with the Payment card, if the transaction currency differs from the Card account currency.

NB!: If the limits by virtue of the youth’s request after turning 16 are not replaced to comply with those imposed on youths’ Cards, the limits imposed on the children’s Card shall be applicable.

Information on card transactions
SERVICEPRICE
Card account currencyEUR
SMS infoEUR 0,09 per SMS text
Information on Account balance demands at ATMs:
- in ATMs of Luminor (Latvia)Free of charge
- in ATMs of other banks (if service is available)EUR 0,50
Other services
SERVICEPRICE
Card account currencyEUR
Interest on unauthorized debit balance36% p.a.
Fee for processing of an unsubstantiated claim if the cardholder has provided false information to the Bank that is endorsed by a third party; or a request from a trader of a transaction approval documentEUR 15,00