Frequently asked questions

Frequently asked questions

  • Activation
  • Funds reservation
  • Card for kids and youngsters


How to activate my card?

1. Select Accounts/Cards

2. Click Activate

3. Click Confirm

4. Authenticate

5. Card is activated

How do I activate internet purchases?

1. On the Cards page, click E-Purchase settings

2. Click Activate service

3. Enter your phone number; this is where the confirmation SMS will be sent. Also enter a personal greeting so that you know it is your purchase you’re confirming.

4. Confirm

5. Finished!

How do I activate or deactivate contactless payments?

You can disable the contactless function on your card:

  1. Log in to your Internet bank 
  2. Under “Cards” select the Contactless card and click “Disable contactless payments”
  3. To successfully process the application, you should complete a payment by placing the card in a POS terminal and entering your PIN code (or withdraw money from a Luminor ATM).

I forgot my card’s PIN. What should I do?

1. Click Remind PIN

2. Confirm that you wish to order a PIN code reminder

3. Fill in the application and the PIN code will be available in the Internet Bank.

4. Sign the application

5. Authenticate

6. Your PIN code will be ready within 24 hours. You will be able to see the code after you click Get PIN

7. You can also order a new PIN card by calling Customer Support or visiting your nearest Luminor branch.

I lost my card. What should I do?

Block your card immediately via the Internet Bank or by contacting Luminor Customer Support calling +370 5 239 3444, writing online or

You can order a new card via the Internet Bank.

1. Select Applications

2. Click New application and select New card application

3. Fill in the application

4. Sign the application

Where can I find Luminor ATMs?

You can find your nearest Luminor ATMs here.

I ordered a card, but I haven’t received it. What should I do?

Contact Luminor Customer Support online by writing to or calling +370 5 239 3444.

I ordered a card, when can I expect it to be delivered?

Your new card should arrive within five working days. If you chose to receive your card’s PIN code on paper, your PIN code should arrive a couple of days before your card.

What are my cards limits? How do I change my card’s purchase limits?

You can find your card’s limits from price list here.

To change your card’s cash withdrawal and purchase limits, submit an application via the Internet Bank (Applications → New application → Payment cards → Request to change payment card transaction limits).

Please keep in mind that changing your card’s purchase limit is a paid service.

How much does my card cost?

Please find cards price lists here.

Are there any restrictions for card purchases in foreign countries?

Please note that due to sanctions issued by the United States Office of Foreign Assets Control, it is not possible to use VISA cards in Iran, Syria, Cuba, and Sudan. In addition, currently, it is not possible to use VISA cards in Crimea and Russia.

Funds reservation

What is a funds reservation?

Subject to receipt of the cardholder's consent to pay by card, the bank shall reserve the transaction amount in the card-linked payment account and shall debit it upon receipt of confirmation of the card payment from the payee. The bank shall cancel reservation of funds in the account if within 9 calendar days from the date of reservation of funds receives no confirmation of the card payment from the payee.

Can a reservation be cancelled?

The bank is processing card transactions in accordance with the rules of the Visa international payment card organization. Subject to receipt of the cardholder's consent to pay by card the reserved card transaction amounts cannot be cancelled or excluded from processing.

If you disagree with your payment card transactions 

Card for kids and youngsters

What do I have to do if my child has a bank account but needs a payment card now?

If a child has access to the internet bank and manages their bank account independently, they can order a payment card via their internet bank.

If the child has no access to the internet bank, a parent/parents who manage the child’s account can order the payment card in the child‘s name.

Can I order a payment card for my child and manage it through my account? How can I do it?

If your child is a Luminor customer, you can log into your internet bank and order an additional payment card in your child‘s name (Accounts / Cards / New card / submit the required information about your child in the second step).

Can I open an account for my child who is under the age of 6?

Yes. Please note that Luminor Debit card can be issued only for children from the age of 6.

How old does a child have to be to use the internet bank and what type of authentication and login tools do they need?

Children from the age of 14 can use the internet bank and manage their account independently or jointly with their parents/guardians.

  • If the parents/guardians wish to manage the account jointly with their child, they need to visit the nearest Luminor Customer Service Centre together their child (we recommend pre-booking the appointment by phone +370 5 239 3444.
  • If the child wishes to manage the account independently, one of the parents/guardians needs to give their consent for the child to use banking services. Once done, the child can visit the nearest Luminor Customer Service Centre where they will be issued an authentication tool – a PIN code generator. If the parents/guardians wish to register their child’s Smart-ID account, one of the parents/guardians needs to accompany the child.

Have questions about our other products?