Payment cards and packages

With us, all your daily needs are covered. Choose the card that suits you best, and a banking package will be assigned accordingly!

The right card for your everyday essentials – and more

New customers
0 EUR/month
for the first 2 months*

Existing customers without Black
3.50 EUR/month
for the first 3 months**

Visa Debit

The card that takes care of your basic needs

2,50 EUR/month

Learn more

* The discount is valid for new customers for the first 2 calendar months from the activation of Luminor Black package (if the package is activated within the period 01.06.2025 to 31.08.2025). For the third and next calendar months, the standard package fee (5.50 EUR/month) will be set according to Luminor Price List. The package monthly fee is applied for a calendar month, irrespective of the activation date. The offer is valid until 31.08.2025 or until revoked.
** A customer with an existing Luminor account, applying for the first time for the Luminor Black package and payment card until 31 August 2025, pays EUR 3.50/month for the package for the first three months. The monthly fee is calculated for the entire calendar month, regardless of the application date. From the fourth calendar month onwards, the fee for the package is EUR 5.50/month according to the Luminor price list.

Tavas ikdienas finanšu vajadzības – viegli un saprotami

Luminor Black

Luminor Debit

Minimālā pakalpojuma maksa

Norēķinu kontu skaits

Norēķinu kontu skaitsNeierobežots

Eiropas EUR maksājumi, izmantojot internetbanku vai mobilo banku

Eiropas EUR maksājumi, izmantojot internetbanku vai mobilo bankuNeierobežoti

Smart-ID autorizācija

Smart-ID autorizācija✅

Komplektā iekļautā maksājumu karte (1) un tās priekšrocības

Komplektā iekļautā maksājumu karte (1) un tās priekšrocībasLuminor Black

Komplektā iekļautā maksājumu karte (1) un tās priekšrocībasVisa Debit

Komplektā iekļautā maksājumu karte (1) un tās priekšrocībasNav iekļauta

Ceļojumu apdrošināšana maksājumu kartes īpašniekam un ģimenes locekļiem (2), kuri devušies līdzi ceļojumā, – gan Latvijā, gan ārzemēs. Papildus iekļauts arī nomas auto pašriska segums ārzemēs

Klātienē un tiešsaistē veiktu pirkumu apdrošināšana

Klātienē un tiešsaistē veiktu pirkumu apdrošināšana✅

Klātienē un tiešsaistē veiktu pirkumu apdrošināšana❌

Kaulu lūzumu un plīsumu apdrošināšana kartes īpašniekam

Kaulu lūzumu un plīsumu apdrošināšana kartes īpašniekam✅

Kaulu lūzumu un plīsumu apdrošināšana kartes īpašniekam❌

Bezmaksas skaidras naudas izņemšana

Bezmaksas skaidras naudas izņemšana1950 EUR vienam klientam kalendārā mēnesī: 1200 EUR Luminor bankomātos (3) un 750 EUR jebkuras citas bankas bankomātos pasaulē (4) (6)

Bezmaksas skaidras naudas izņemšana750 EUR vienam klientam kalendārā mēnesī (5): bez darījumu skaita ierobežojuma Luminor bankomātos vai 5 darījumos Swedbank, SEB, Citadele bankomātos (6)

Bezmaksas skaidras naudas izņemšana❌

Iespēja pieslēgt savai kartei Drošība+

Iespēja pieslēgt savai kartei Drošība++0,99 EUR mēnesī

Iespēja pieslēgt savai kartei Drošība+❌

Kredītlimits ar 0% procentu likmi līdz 45 dienām

Kredītlimits ar 0% procentu likmi līdz 45 dienāmPēc izvēles

Kredītlimits ar 0% procentu likmi līdz 45 dienām❌

Pakalpojuma maksa

Pakalpojuma maksaĪpašs piedāvājums!
Jauniem klientiem 0 EUR/mēnesī pirmos 2 mēnešus (7).
Esošiem klientiem bez Black 3,50 EUR/mēnesī (8).
Standarta maksa – 5,50 EUR/mēnesī

Pakalpojuma maksa2,50 EUR/mēnesī

Pakalpojuma maksa1,30 EUR/mēnesī

Become a customer

Apply

(1) By choosing a payment card, you also choose a service package. If you decide to change your payment card, your service package will change too. The card issuance fee and the monthly fee for the card are included in the service package.
(2) Children (students up to the age of 24), spouse or cohabiting partner (1+ year of joint household).
(3) Free monthly limit of EUR 1,200 is common for all Luminor Black credit cards (including additional cards).
(4) Free monthly limit of EUR 750 is common for all Luminor Black credit cards (including additional cards) and all Citadele, SEB, Swedbank ATMs in Latvia, and ATMs of other banks worldwide.
(5) Free monthly limit of EUR 750 is common for all debit cards (including additional cards) and all Luminor ATMs in the Baltics and Citadele, SEB, Swedbank ATMs in Latvia.
(6) The fee is charged monthly for all debit cards / credit cards (including additional cards) together to the account from which the first cash withdrawal was made in the respective month.
(7) The discount is valid for new customers for the first 2 calendar months from the activation of Luminor Black package (if the package is activated within the period 01.06.2025 to 31.08.2025). For the third and next calendar months, the standard package fee (5.50 EUR/month) will be set according to Luminor Price List. The package monthly fee is applied for a calendar month, irrespective of the activation date. The offer is valid until 31.08.2025 or until revoked.
(8) A customer with an existing Luminor account, applying for the first time for the Luminor Black package and payment card until 31 August 2025, pays EUR 3.50/month for the package for the first three months. The monthly fee is calculated for the entire calendar month, regardless of the application date. From the fourth calendar month onwards, the fee for the package is EUR 5.50/month according to the Luminor price list.

Useful links

General Business Terms
Payment card rules
Payment rules
Standardized terms of services and their definitions (Glossary)
FAQ about Luminor Black package
Fee Information Document