Payment cards Visa (new Cards are not issued, renewed and replaced) | Luminor
Card provision (maintenance)
SERVICEPRICE
Card account currency*EUR
Monthly fee for Card service**
- Dynamic VISAEUR 1,30
- Galactico Dynamic VISAEUR 1,30
- Galactico VISA ClassicEUR 1,50

* For Dynamic Visa in USD currency the Bank withhelds the fees indicated in euros in US Dollars according to the euro reference exchange rate published by the European Central Bank in compliance with the regulations for application of this exchange rate set in the General Regulations on Transactions of the Bank.
** 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.

NB! This section applies to cards, that are attached to account number with letters “RIKO” (LVxxRIKOxxxxxxxxxxxxx).

Card transactions
SERVICEPRICE
Card account currency*EUR
Cash withdrawal**
- from ATMs of Luminor (Latvia, Lithuania, Estonia)
- below EUR 700,00 in a calendar monthFree of charge
- above EUR 700,00 in a calendar month0,2% of the transaction amount exceeding EUR 700,00
- at another bank, from ATMs of another bank2,0% of the transaction amount, min, EUR 3,50/ USD 4,00
- at the merchant (if merchant offers such service)***Free of charge
One's own Account crediting through an ATM of Luminor (Latvia) by Card ( also in case several Cards are used for the account crediting)
- below EUR 5 000.00 in a calendar monthFree of charge
- above EUR 5 000.00 in a calendar month0,2% of the transaction amount exceeding EUR 5000,00
Purchases within the borders of Latvia and abroad****Free of charge
Currency exchange mark-up*****3,0%

* For Dynamic Visa in USD currency the Bank withhelds the fees indicated in euros in US Dollars according to the euro reference exchange rate published by the European Central Bank in compliance with the regulations for application of this exchange rate set in the General Regulations on Transactions of the Bank.
** Cash withdrawal limit from ATMs:
- Daily limit: for Dynamic VISA, Galactico Dynamic VISA, Galactico VISA Classic, MasterCard Standard, MasterCard Gold Cards EUR 5 000,00.
- Limit over 30-day period for any type of Card is EUR 20 000.00.
- Cash withdrawal limit from ATMs equipped only with magnetic stripe reading technology EUR 350.00 a day.
- If Card account currency is not euro, cash withdrawal limits from ATMs specified in this section are converted into the Card account currency according to the euro reference exchange rate published by the European Central Bank at the beginning of each relevant period in compliance with the regulations for application of this exchange rate set in the General Regulations on Transactions of the Bank.
*** Cash withdrawal limit at the merchant per shopping time - EUR 100.00.
**** Purchase limit - EUR 5,000.00 a day.
***** Currency exchange mark-up is added to the currency exchange rate (reference exchange rate) applicable to the transaction executed with the Card in compliance with the Bank's Account Maitenance and Card Use Rules, if the transaction currency differs from the Card account currency.

NB! This section applies to cards, that are attached to account number with letters “RIKO” (LVxxRIKOxxxxxxxxxxxxx).

Information on card transactions
SERVICEPRICE
Card account currency*EUR
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/ USD 0,60

* For Dynamic Visa in USD currency the Bank withhelds the fees indicated in euros in US Dollars according to the euro reference exchange rate published by the European Central Bank in compliance with the regulations for application of this exchange rate set in the General Regulations on Transactions of the Bank.

NB! This section applies to cards, that are attached to account number with letters “RIKO” (LVxxRIKOxxxxxxxxxxxxx).

Other services
SERVICEPRICE
Card account currency*EUR
Interest on unauthorized debit balance36% p.a.
Increase of standard cash withdrawal and purchase limitsEUR 5,00
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
Closed Card account maintenance (first to be charged one year after the Customer’s written notice on the Card closure)EUR 40,00 p.a.

* For Dynamic Visa in USD currency the Bank withhelds the fees indicated in euros in US Dollars according to the euro reference exchange rate published by the European Central Bank in compliance with the regulations for application of this exchange rate set in the General Regulations on Transactions of the Bank.

NB! This section applies to cards, that are attached to account number with letters “RIKO” (LVxxRIKOxxxxxxxxxxxxx).