Luminor is unifying its operation systems | Luminor

Luminor is ready to move the customers’ data to a unified system

How should I prepare?

Private individuals, whose account numbers contain letters “NDEA”

Step 1

We will send you an individual message with detailed information regarding the changes and we will specify exact date, when the migration of your data will take place.

  • Please check if you have indicated correctly your mailing address in Luminor|Nordea Internet bank. 
  • Continue to use all the services offered by Luminor as usually, including:

- Log in to Luminor|Nordea Internet bank
- Receive and transfer money to and from accounts, which contain letters “NDEA”
- Perform payments with your current debit card

Step 2

Approximately three weeks in advance of migration of your data we will send you:

  • A new payment card or several payment cards and instructions, how to activate them
  • The number of your new account or accounts
  • Information how to log in to the new Luminor|DNB Internet bank and
When you have received your new payment card, account number and information on the new Internet bank, you may start learning how to use the Luminor|DNB Internet bank

Step 3

  • After a successful migration of your data you will be able to log in to the new Luminor|DNB Internet bank and mobile application Smart-ID, use the new payment card and new account, as well as the whole set of Luminor services. 
  • The validity of all your current payment cards Maestro and Mastercard Debit, as well as additional cards linked to your account, will be terminated on the data migration moment.
  • During the data migration there might be a short moment, when the access to accounts and payment cards will not be possible, therefore, if necessary, make sure you have enough cash in advance!

Learn about the key changes

Current accounts

Wait for your new account number

  • The first eight symbols of each number of your account or several accounts containing letters “NDEA” will be changed. 
  • When you have received new account number, please inform your employer, social security agency and other partners, from whom you receive income about these changes.

Start using the new account number

  • We will transfer the balance of your funds to your new account.
  • In the event we receive a payment, where your previous account number is specified within three months from the data migration, we will automatically amend it within one business day and you will receive your money to your new account. However after this term the payments to previous accounts will be automatically rejected by the system and sent back to the payer.
  • If you execute and receive international payments, from now on please use your new SWIFT/BIC code - RIKOLV2X.

Payment cards

Wait for your new payment card

  • If you have used your payment card during the last six months, you will receive a new Luminor Visa Debit payment card free of charge without individual design.
  • If you have not received your new card by mail within two weeks prior to the specified data migration date, write us via Internet bank or call 1880.
  • We will send the new payment card to the address you have specified in Luminor|Nordea Internet bank. Verify if the address is correct. If necessary, change it! 

Start using your new payment card

  • The PIN code of the new card will not be changed - it will remain the same as for the one you use currently. 
  • The card will be activated automatically, as soon as you confirm the first transaction with your PIN code at POS terminal or any ATM.
  • The card has contactless function, which is automatically activated after the first transaction, verified with PIN code. If you wish so, you may turn off this function in Luminor|DNB Internet bank. There you will be able to activate the option for the purchases in the internet, if necessary and see your PIN code, if you have forgotten it.
  • You may see the card limits at the Pricelist. Should you wish to change the card limit in long-term, please write us in the new Luminor|DNB Internet bank or visit any of our customer service centres. Should you wish to change the card limit only for one transaction - call 1880 or visit any of our customer service centres. 
  • You may withdraw/ deposit cash free of charge only at Luminor ATMs within the limits specified in the Pricelist. 
  • Please be aware that you have to pay attention to the VISA card section in Luminor ATMs

Internet bank

Introduce yourself with the new Luminor|DNB Internet bank

  • Username will remain the same as the one you currently use in Luminor|Nordea Internet bank.
  • From now on you will be able to conveniently and easy log in to the Internet bank, execute payments and other transactions with the mobile application Smart-ID 
  • In the event you decide not to use Smart-ID, please visit our customer service, where you will be offered a new code calculator in accordance with the price list.
  • Please check if you have confirmed all the payments as well as planned payments, as those will not be migrated to your new Internet bank. 
  • If you wish to apply for new services, change your data and contact information, please do so in the new Internet bank.  However if you wish to make changes in the current products, you can do that in Luminor|Nordea Internet bank.

Use the new Luminor|DNB Internet bank

  • In the Internet bank you will see all the products, account balances and the received payment card
  • We will keep your personalized payment templates. Please check them and specify the recipients, whose accounts contain letters “NDEA”, if their account numbers have not been changed to letters “RIKO”.
  • Log in to your Internet bank with the mobile application Smart-ID. During the first login, you will also need the current code calculator or Codes application.
  • In Luminor|DNB Internet bank you will be able to access historical information on the transactions in the accounts containing letters “NDEA” since 01.01.2016. You will be able to obtain information on older transactions at our customer service centres.
  • From now on we will provide account statements only via Internet bank or in presence. For the time being it will not be possible to obtain electronically signed account statements neither in Internet bank, e-mail,, not in presence.
  • Introduce yourself with recommendations for more convenient daily use of Luminor|DNB Internet bank. 
  • After the data migration, your payment limits will be: 
    - Default limit / maximum bank’s defined limit
    - Transaction limit – 75 000 EUR / 1 500 000 EUR
    - Daily limit – 75 000 EUR / 1 500 000 EUR


Execute payments

Standing orders for regular payments and agreements for the automated settlement of bills, signed with Luminor, will continue to work as previously. Moreover, in these agreements: 

  • The account number, from which the money is transferred will be automatically changed to the new number 
  • If the recipient’s account number contains letters “NDEA”, we will automatically change it to the new account number. 


Luminor services package at your disposal

  • You are offered a package of services for a monthly fee, which provides for the use of different services without additional separate charges.
  • If you previously were using any service package, you will be offered Luminor Basic package, which consists of all your current services, as well as without any additional charges you will be able to use: 
- TXT messages on the transactions in the account linked to your payment card
- Unlimited number of regular payment orders in EUR currency to any bank in Latvia
- Unlimited number of regular automated settlement of bills.
  • If you were not using a service package previously, but you have a debit card, you will be offered Luminor Basic package.
  • If you were not using a service package previously, and you do not have a debit card, you will be offered Luminor Mini package.
Service packages may be offered discounts, for instance, in the event the average balance of term deposit and current accounts in the current month will exceed 5000 EUR.

Learn about all Luminor packages. Should you wish to make changes after the data migration, you will be able to do it easily in Luminor|DNB Internet bank.

Additional information, if you currently own both RIKO and NDEA accounts

Internet bank

If you currently are using Luminor|DNB Internet bank, you will continue to use it also after your data migration and you will be able to see all the services, including new accounts and new cards in one place.

  • Username and authentication means will remain the same, as you are currently using.
  • Log in to your Internet bank with the mobile application Smart-ID as well.
If you are not using Luminor|DNB Internet bank, we will send you the instructions, how to connect to it.


  • You will continue using the current service package (Mini, Basic, Comfort or Golden). Your may see the services contained in your package at Luminor Pricelist.
  • All additional services, which will not be included into your current service package after the migration of your data, will be additionally charged in accordance with Luminor Pricelist
  • In case of necessity you may always change the packages in Luminor|DNB Internet bank (under Accounts > Cards > Packages) or at any customer service centre.

How should I prepare for process?


Update your contact details

Update your e-mail, telephone number, and postal address in LuminorINordea Internet-bank to enable us contacting you.


Look for personal message

Two months before the unification date we will send to you an official message with detailed information on all changes.

Manage your finances with special benefits!