Luminor Black

More freedom with Luminor Black

More freedom with Luminor Black

  • The all-in-one contactless debit and credit card is made for those who love to travel and explore
  • EUR 5.50 per month, with the first three calendar months EUR 0 per month*

Enjoy your travels

The card comes with travel insurance for you and your family** – both at home and abroad

Feel safer shopping

Free 180-day purchase insurance that covers repair or reimbursement

Be ready for anything

You get an optional credit limit without overpayment 0 % interest rate for up to 45 days

Get funds when needed

Free Euro transfers and free cash out within the limit up to EUR 1,600 per month from Luminor and other banks ATMs worldwide***

Manage features online

Activate/disable the card and contactless and online payments, add Safety+, Priority Pass, and more

Here’s to safe trips and memorable experiences

Built-in travel insurance for you and your family**

Adventures await – in Latvia and abroad. Go on trips to new cities, countries, and continents, and enjoy the safety of always having insurance on you.

Powered by Visa and accepted worldwide – Luminor Black is the sleek, contactless card bound to become your everyday essential.

Explore travel insurance

Sleek, contactless, customizable

Discover add-ons that complement your lifestyle

Like all our cards, you can add your Luminor Black to your digital wallet.

Luminor Black comes with an optional credit limit starting from EUR 600 with an interest-free period of up to 45 days.

You can also get the Safety+ insurance service for EUR 0.79 per month as extra security in case of card theft and certain types of fraudulent payments.

For more relaxing, enjoyable travels, discover the Priority Pass membership offer.

Newly issued Luminor Black cards are valid for 5 years – less hassle and less plastic.

Feel more confident about bigger purchases

Free 180-day purchase insurance

Dropped your phone the day after buying it? Saw your kid break their brand-new bike? These things happen – and with the free Luminor Black purchase insurance, they can be reversed.

The purchase insurance applies to most goods bought for long-term use, including electronics, furniture, sports gear, and tools.

Explore purchase insurance

Already our customer? Order your card remotely

Submit an application in your internet bank under Accounts → Cards → My Cards, or in the mobile application in the Cards section

Activate the Luminor Black package in the internet bank under Packages

Get your card in the mail – activate it in your internet bank under My Cards

Become a customer

New to Luminor? Welcome! 
Join Luminor remotely or book an appointment

Cash transactions

Cash deposit Cash-out at a Luminor ATM Cash-out at other ATMs
Free up to EUR 1,200 per calendar month Free up to EUR 1,200 per calendar month from Luminor, Medus, and ATMs Free up to EUR 400 per calendar month
2 % of a sum exceeding EUR 600 (min. EUR 3.50) 2 % of a sum exceeding EUR 1,200 (min. EUR 3.50) 2 % of a sum exceeding EUR 400 (min. EUR 3.50)***

See our price list for more

Standard limits for cash and purchase transactions

Daily cash-out limit, EUR Purchase limit per day (including online), EUR
3,000 10,000
If you’d like to change your cash-out and payment limits, send us an internet bank message or call us at +370 5 239 3444. The fees for changing limits are listed in our price list. There’s no fee if the limits are changed to the standard or amounts below the standard.
*EUR 5.50 per month, with the first three calendar months EUR 0 per month (the first free calendar month is the month when the package is activated). Offer valid for new Luminor Black cards activated by 2023 12 31 or until revoked
**Family – the cardholder’s children (minors and full-time students up to the age of 24), spouse, or common-law partner (if living in the same household for at least 1 year) traveling together with the cardholder.
*** Certain ATMs abroad may impose an ATM fee, notifying about it on the ATM screen. To withdraw money without a commission fee, please use another ATM network.

More for your Luminor experience

Become a customer

Learn more

Priority Pass

Learn more


Learn more

Consumer Loan

Learn more