How to use a bank card safely?

• Block your card immediately using our Internet or Mobile bank or inform Luminor customer service.
• You can order a new card by filling in an application form in the Internet bank. You can find it under Applications → New application → Payment cards → Payment card order.
• When the new card is manufactured, it will be issued to you with a new card number and a different PIN code.

• Payment cards are issued with the standard cash-out and payment operation limits.
• Additional information: due to particular configurations and technical capabilities of specific ATMs, the customers might face a situation where the ATM cash-in/cash-out limits are different than the ones applied to their bank cards in one transaction, customers could cash-in/cash-out the desired amount in several transactions.
• A cash withdrawal or payment transaction performed is not deducted from the used day limit before 25 hours from execution thereof.
• Due to security reasons the limit for cash withdrawal from ATMs, equipped with the technology for reading magnetic line us 350 EUR per day. Cards issued before 2020-02-01 are not subject to this condition.

• If you wish to change the cash-out and payment operation limits applied to your card, contact us via Internet bank. Please fill in the online application. You can find it under Applications → New application → Payment cards → Request to change payment card transaction limits.
• If you selected the bigger cash-out and payment operation limits which applied to your card, you should also order the Safety+ service. The Safety+ service has monthly fee per payment card. You can find the price in the pricelist.
• Notice that changing the card payment limits is a paid service. You can find the price in the pricelist.
• There is no commission fee if the customer's cash-out and payment operation limits are changed to standard or lower than standard payment operation limit.

• Great Britain, India, Indonesia, Thailand, and South Korea. When travelling to any of these countries, contact Luminor customer service to inform us about this in advance.
• At your request, transaction restrictions in these countries will be temporarily removed. Instead, your daily cash-out and payment operation limits will be changed to 2000 EUR / 24 hours.
• If you are planning travel to Sudan, there are restrictions on VISA in this country, so all card payments are blocked.

• All new / renewed cards are issued with online payments being disabled.
• To enable online payments, you have to activate the “Secure Online Payment Service“.
• The “Secure Online Payment Service” can be activated when using our Internet or Mobile bank.
• This service can be enabled and disabled indefinitely in your Internet or Mobile bank, as long as the card is active.
• The bank is using authentication tools for confirming online purchases if the Internet shop has joined the secure shopping system –Verified by VISA.
• More information about “Secure Online Payment Service“ can be found here.

Valid for online purchases with a payment card, if the Internet shop has joined the secure shopping systems - Verified by VISA:

• Enter your card information and confirm your transaction by the identification tool: Smart-ID, Mobile signature (Mobile-ID) or Code generator. After confirming the online payments, you will be redirected back to the merchant’s website.
• Sometimes you may be asked to log in to Luminor Internet bank by entering your user ID number and confirm your transaction by the identification tool: Smart-ID, Mobile signature (Mobile-ID) or Code generator.
• If you don’t have Luminor Internet bank account, to get this service, you should sign an agreement. You can do this by coming to the customer service center (you should have your personal identity document - passport or identity card).

• All new / renewed cards are issued with contactless payments functionality.
• Contactless payments will be enabled after the first time you enter the PIN code into an ATM or a card payment machine.
• This function can be disabled manually in Internet or Mobile bank. Contactless payments will be disabled after the first time you enter the PIN code into an ATM or a card payment machine.
• The maximum amount of a single contactless payment is 50 EUR. 
• You will be asked to enter the PIN code of your card if the amount you are trying to pay is more than 50 EUR.
• To ensure the security of your transactions, you may sometimes be asked to enter the PIN code of your card when attempting to carry out contactless payments, regardless of the amount paid.
• More information about contactless payment can be found here.

If you disagree with your payment card transactions (due to incorrect or possibly unauthorized payment with Luminor payment card, as well as possible incorrect cash depositing or withdrawal from ATMs), please contact us by logging in to your Internet bank and fill in the application. You can find it in the section Applications → New application → Payment cards → Request to process a disputed payment card transaction.

The fastest way to make sure you have not been a victim of fraud is to log in to Internet and Mobile bank and check your balance, transactions and reserved amounts in your account. The sooner you notice a fraud, the easier it will be to detect it, so we recommend that you check the data regularly. If you see any unfamiliar transactions, contact Luminor Customer Service by phone right away.

Online shopping scams – online shopping scams involve scammers pretending to be legitimate online sellers, often using fake websites. A newer version of online shopping scams involves the use of social media platforms to set up fake online stores. They open the store for a short time, often selling fake branded goods. After making a number of sales, the stores disappear.

Warning signs:

• A product is advertised at an unbelievably low price or advertised to have amazing benefits.
• The social media-based store is very new and selling products at very low prices. The store may have limited information about delivery and other policies.
• The website of the online store is full of grammatical and logical errors, the website does not work smoothly, certain options do not work.
• Contacts of representatives are not specified: e-mail address is not associated with the name of the store.

• Have a separate payment card for online purchases, and keep only the amount needed to purchase the product on the card.
• Find out exactly who you are dealing with. Check the company’s contact details (corporate name, registration number, address, telephone) that are placed on merchant’s website and look for reviews before purchasing.
• When making online payments, it is recommended to pay for goods using a secure payment service – look for merchants that have joined Verified by Visa (VbV) systems which are attested by the respective notification and logo on the merchant’s website. Don’t forget and be careful – logos also are counterfeit, so you should not trust them completely.

Skimming – the type of fraud where a skimming device copies data from the card’s magnetic stripe and PIN to make forgeries of the card.

Protect yourself:

• Before using ATMs, make sure that the ATM does not look “different” - whether additional parts have appeared.
• Check ATMs before using them. At ATMs, skimmers often place a camera within view of the keypad to steal your PIN. These cameras are often tiny and difficult to detect. When you're using an ATM, cover the keypad with your hand as you type your PIN to keep an illegal camera from catching a view of what you're typing.
• Watch where you shop. Restaurants, bars, and gas stations seem to be the places where card incidents happen most frequently. We advise you not to lose sight of the payment card, i.e. do not pass it on to bartenders or service staff. Perform the operation yourself, having previously estimated the amount entered in the electronic card reader.
• There are also many cases of fraud at retail stores ’self-service checkouts and ATMs (especially those outside the bank), so always pick up a check.
• Retail store self-checkouts and ATMs, especially standalone ATMs (those that aren't at the bank) are also places that skimmers can be found.
• Contact Luminor Customer Service immediately by phone after identifying any illegal payment card data skimmers that may have been installed.