Unifying systems | Luminor

What does it mean?

Two banking systems merged into one. As a next step we need to move our data to unified platform - that means leaving legacy systems and moving all customers’ data to one system.

How does it affect you?

Getting the data into new platform means that after the migration date (we will let you know the exact date separately):

Here is how you should prepare!

2 months before

2 months before

Update your contact information
Please check from internetbank that we have your correct address and other contact information
Check your e-mail or internetbank
We’ll send you information about migration date and how it affects you

2-3 weeks before

2-3 weeks before

You’ll receive your new card
Put it in your wallet so that it is available to you after the night of the data migration. Until then you can’t use your new card
Activate your Smart-ID and Luminor|DNB internetbank

Night before

Night before

Make payments in advance and take out some cash if needed
Due to migration, there will be interruptions with cards and internetbank at the night of migration

After the migration day

After the migration day

Use your new card
Use Luminor|DNB internetbank with SmartID
Inform your employer and counterparts about the new account number

Detailed list of changes

Current accounts

The first eight symbols of each number of your account or several accounts containing letters “NDEA” will be changed.

  • We will send the new account numbers to you about three weeks before you the migration of your data.

  • 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.

  • Please note that you will only be able to receive money in your account after the night of your data migration. Until then it will be blocked. If someone transfers the money to you until the night of your data migration, it will be returned to the sender and you won't get it. Nor will you be able to replenish these accounts to the ATM until the night of your data migration.

  • During the night of your data migration will transfer the balance of your funds to your new account.

  • Should we receive a payment with your previous account number within the first three months after the data migration, we will correct it automatically within a single business day and transfer the money to your new account. However, if a payment with your previous account number will be received after the three-month period, the system will automatically dismiss it and return to the sender.

  • If you execute and receive international payments, from now on please use your new SWIFT/BIC code - RIKOLV2X.

  • You will be able to make extracts of transactions in your accounts yourself in Luminor|DNB on the internet bank, including historical transactions from 01.01.2016. You have to create an account account account for the new account containg letters RIKO. For a longer period, you'll be helped to create it in our customer service centre.

Payment cards

Instead of each of your Maestro/Mastercard Debit cards, you will receive a new Luminor VISA payment card by post. Put the card in your wallet immediately so that it is available to you on the night of the data migration.

  • 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.
  • 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!
  • 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
  • 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

You will have new LuminorIDNB Internet bank! You will be able to log in to the Internet bank with new and convenient authorisation tool – mobile application Smart-ID. During the first login, you will also need the current code calculator or Codes application. Save them!

  • Read instructions how to log in to Luminor|DNB Internet bank fo the first time here
  • Username will remain the same as the one you currently use in Luminor|Nordea Internet bank.
  • If you don't have a smart phone or don't want to use Smart-ID, you can visit our customer service center and get a new code calculator.
  • If you used to have, yet currently have no active Luminor|Nordea means of authorisation (Nordea Codes app or the code calculator), please, visit our customer service center.
  • Please read recommendations for more convenient daily use of Luminor|DNB Internet bank after the data migration.
  • Make sure you have approved all payments for the time of your data migration and that you have not scheduled any payments after this date, as we will not transfer them to the new Luminor|DNB Internet bank.
  • Make sure you have approved all payments as well as your planned payments, as we will not transfer them to your new Luminor|DNB Internet bank.
  • 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”.
  • After the data migration, your payment limits in the new LuminorIDNB Internet bank will be:
  Default limit Maximum limit
Transaction limit 75 000 EUR 1 500 000 EUR
Daily limit 75 000 EUR 1 500 000 EUR


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


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
  • 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

After the migration of your data you will be able to see all services in one place in LuminorIDNB Internet bank, as well as you may continue to use your existing service package (Mini, Basic, Comfort, or Gold)

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

  • You don’t have LuminorIDNB Internet bank? Read more


  • 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

Manage your finances with special benefits!