You have questions or need help in using the daily financial services? Read useful information on payments, Internet bank, payment cards, accounts, loans and Luminor contacts. Save your time and solve the issue yourself!
If you execute your payment on a business day until 16.00, it will be transferred to the beneficiary’s account until the end of the day.
If you execute your payment after 16.00 - on the next day. If you are expecting an incoming payment, which was executed during business hours - the money will be transferred to your account until 19.00. However, if the payment was executed after business hours - you will receive it next day.
Check the payment status – if it is “Processed” and is seen in the account statement and the balance of your account has been reduced by the payment amount, then the payment has been executed.
Go to the full version of your Internet bank, Payments – Payments list. Open the payment you wish to cancel and click on the option “Cancel payment” in the lower left corner.
Please note – there is a commission fee for the cancellation of a payment in accordance with our price list.
If the payment has not been processed yet, it should be immediately cancelled - learn how to do that in the question “How can I cancel a payment?".
If the payment is already processed and the money is no longer on your account, you have to correct the payment. Please write us via Internet bank and specify the correct banking details.
Please note - there is a commission fee for the correction or cancellation of a payment in accordance with our price list.
A payment with a status “Accepted” will be saved for 10 calendar days. If within ten days your account does not have enough funds, the payment will be cancelled and will not be processed.
If your card has expired and you have received an automatically renewed card, PIN code is not changed - it is the same as with your previous card.
In other situations, when a new card is issued, you will see your PIN card, when you activate your card. This may be done in the full version of Internet bank go to the section Accounts and cards - My cards and select the card you wish to activate. Then press “Activate and get PIN". Follow the on-screen instructions in the pop-up window.
You can apply for a PIN code reminder at the full version of Internet bank under the section Accounts and cards - My cards, by clicking on “Renew PIN”.
You can view your PIN code reminder in your Internet bank:
Commission fee for a PIN code reminder is EUR 1.00.
If you enter a wrong PIN code three times in a row, ATM retains your card and does not return it any more. Thus you have to apply for a new card. Go to the full version of your Internet bank under the section Accounts and cards - My cards, where you will see your blocked card. Then press “Replace a card".
The limit for purchases and withdrawal of cash for all VISA cards per day is EUR 5 000.00 (or equivalent in other currency) and the limit within a period of 30 days is EUR 20 000.00 (or equivalent in other currency).
Due to security reasons the limit for cash withdrawal from ATMs, equipped with the technology for reading magnetic line us EUR 350.00 per day.
Limit for cash withdrawal at a trader at one purchase time – EUR 100.00.
We will renew your card automatically if you have used it during the last three months and it has a remark for a renewal. You can check this in the Internet bank under Accounts and cards - My cards - renewal of the card.
At least one month prior to the expiry date of the card we advise you to check if you have indicated the right delivery address in the Internet bank under Accounts and Cards - My cards.
We prepare the replacement card until the 15th day of the month and send it to the address indicated by our customer.
Card delivery costs:
When he card is renewed, the PIN code of the previous card remains unchanged.
In the event of malicious deal you should immediately block the card in your internet bank or via chat on our website.
Afterwards please report a claim:
Please check if the function for the purchases in the Internet is activated in the section of Internet bank Accounts and cards - My Cards - Internet purchases (Allow/ Don’t allow).
Also make sure there are enough funds for the transaction on your account.
If the balance is satisfactory and the purchases in the Internet are allowed, please call our informative hot line at 1880 or +371 67 17 1880 if you are abroad to verify the reason for the rejection.
A commission in the amount of 3% is applied to such transaction and it is added to the currency exchange rate.
Please note that currency exchange takes place in accordance with the currency exchange rate, which is valid on the moment when the financial services provider processes the transaction.
Cash withdrawals with Visa Debit card:
Cash deposits with a card to one’s own accounts at Luminor ATMs in Latvia up to EUR 5 000.00 within a calendar month is free of charge. However, if the amount is above EUR 5 000.00, a commission of 0.2% is applied.
Go to Internet bank section Accounts and cards - My cards - TXT messages - Revise/ Change. By opening this section you can also select the preferred TXT settings.
In order to comply with the requirement of the legal enactments with regard to the services Luminor is providing to its customers, we regularly ask our customers to update the information in the customer’s questionnaire.
It is available in the full version of Internet bank in the upper ribbon under the section Settings - Internet bank settings. Then on the left side, please select the Customer’s questionnaire.
Go to the full version of your Internet bank Payments - Payments list.
When you open your payments list, select the account number from which you executed the payment and the period of time. When done, press the button on the right side “Select”.
When you have found the necessary payment, open it and in the lower right side press the button “Print” – so you will save the payment order in PDF format.
To keep your funds secure, we have set various payment limits – they differ depending on the authentication method used by the customer.
The limits may be seen in the Internet bank section Settings → Internet Bank settings → Account and client settings.
Code calculator Digipass DP270 – default limit / maximum limit set by the Bank
Code calculator Digipass DP270 – default limit / maximum limit set by the Bank
Where no specific limits are set, Luminor will apply default settings. Limits may be changed via internetbank under section Messages → New application → Application from template → Change of internet bank payment limits. However they may not exceed the payment limits set by Luminor.
To find the account statement for a specific period, go to your Internet bank:
o Likewise you can specify any date by entering it, following the date format.
The account statement is available in the full version of Internet bank under the section Accounts and cards - Account statement.
No, you do not need several Smart-ID accounts, to use the services of other banks and Luminor online services.
Learn how to log in to Smart-ID Luminor Internet bank.
Now it is required to enter the personal ID number as well, when using Smart-ID to connect to the internet bank. This is done to improve the safety of authorization and prevent the risk of fraud.
The entered data are stored in the cookies of the web browser or application, thus, if you have entered the personal ID number once, during next connections to the internet bank from this web browser or application, you will no more need to enter your personal ID number. If you connect to the internet bank from another web browser or application, or if you have deleted cookies on your computer of smartphone, you will have to enter your personal ID number again.
You may deposit or withdraw cash from ATMs without your payment card, using deposit/withdrawal code. You may apply for the code only at Internet bank section Payments - New payment - Cash in/out using a code.
To withdraw money from the cash machine, you will need to 'wake it up’ by pressing “Enter” on the keyboard. Enter your 10-digit code. The first five digits of the code will be those which you specified in your application form. The other five digits will be sent to you in a TXT message from us or displayed on your Internet Bank screen depending on which option you had selected while filling in your application in the Internet Bank. The requested amount must be withdrawn on the same day by 23:59.
Cash deposits or withdrawals with a code are ensured only on some particular Luminor ATMs. Pay attention to the information on the ATM display.
There is a commission fee for this service in accordance with our price list.
You can open a current account at the full version of Internet bank, by filing an application under the section Notifications - New application - Application from the templates - Opening a current account.
You can close your current account by filing an application in your Internet bank on the closure of an account under the section - Notifications - New application.
In order we can close your current account, its balance has to be EUR 00.00, and you may not have any active credit liabilities.
For the change of a pledgor there are usually two reasons:
Taking into consideration the fact that the change of the pledgor is not possible without a written consent of Luminor, we will need your written application with a request to issue our consent for the change of the owner of the real estate.
You can file your application in the Internet bank under the section Notifications.
The commission fee for our consent for the actions with a pledged real estate property, as well as information on the extent of the commission fee for changes in the loan documentation is available: Mortgage loan and Private loan.
Taking into consideration that our consent for the change of pledgor is valid for 3 (three) months, in the event the real estate is sold, we kindly recommend to obtain a consent of the purchaser for the purchase of the property and only then to file the application for our consent.
The reconstruction of the real estate (including, redesign, reconstruction, renovation) is allowed only as provided for by the legal enactments by coordinating it with respective institutions.
Prior to going to the construction board you will need our consent. You can file your application for our consent in the Internet bank under the section Notifications.
Commission fee for Luminor consent for the actions with the pledged real estate property: Mortgage loan and Private loan.
Please contact us by sending a message via internet bank, if you have any worries regarding payment difficulties. We will look at all cases individually and find the most suitable solution for every customer. More information here.