Payment Card Fees

Provision of credit card

Issue fee
Free of Charge
Express issue of card*
45 EUR

*Card to be collected in the Bank's Head Office on the same day after 17:00 if the card is ordered on the business day by 12:00, or on the next business day after 14.00 if the card is ordered on the business day after 12:00

Fee for ungrounded claim
20 EUR
Annual interest on Overlimit Debit Balance
48 %
Card account maintenance fee (charged starting from the 2nd month following the closure of the last card attached to this account)
25 EUR
Fee for replacement of card and PIN code
25 EUR
Self-defined PIN code (option is available only when ordering the card via iRietumu)
Free of Charge
Fee for balance inquiry at ATMs in Latvia
Free of Charge
Fee for balance inquiry at ATMs abroad
0.50 EUR
Charge for the extra authorisation bonus
25 EUR
Extra charge for the currency conversion**
2.5 %

** To calculate total fee for currency exchange in accordance with European Commission’s Regulation 518/2019:

For Mastercard card:

on the web page https://www.mastercard.com/global/currencyconversion/index.html enter transaction amount and currency, card account currency and the extra charge for the currency conversion according to the Bank’s fees

For VISA card:

1. on the web page https://www.visaeurope.com/making-payments/exchange-rates in "Card currency" section choose United States Dollar (USD), enter transaction amount and currency, the extra charge for the currency conversion according to the Bank’s fees

2. Exchange the calculated sum into your card account currency according to Rietumu Bank’s currency exchange rates https://www.rietumu.com/en/corporate/accounts/fx/fx-rates

Cash withdrawal

At ATMs in Latvia

First 5 withdrawals during the month*
1 %, min 2 EUR
Starting from the 6th withdrawal during the month*
3 %, min 5 EUR

At other banks in Latvia, and at other banks & ATMs abroad

First 5 withdrawals during the month*
2 %, min 3 EUR
Starting from the 6th withdrawal during the month*
3 %, min 5 EUR

* The fee is calculated on the date of transaction entry

MasterCard Gold & VISA Gold

Card annual fee (with insurance & Priority Pass)
125 EUR
Additional card annual fee
Free of Charge
Additional card Issue fee
40 EUR
Airport VIP lounge per person (Priority Pass)
35 EUR
Annual interest on use of Credit Limit and/or Overdraft
18 %
Purchase fee
Free of Charge

MasterCard Platinum & VISA Platinum

Card annual fee (with insurance & Priority Pass)
300 EUR
Additional card annual fee
Free of Charge
Additional card issue fee
40 EUR
Airport VIP lounge per person (Priority Pass)
35 EUR
Annual interest on use of Credit Limit and/or Overdraft
16 %
Purchase fee
Free of Charge

Visa Platinum Jurmala

Annual card fee (with insurance & Priority Pass)
400 EUR
Airport VIP lounge per person (Priority Pass)
35 EUR
Annual interest on use of the secured credit limit
8 %
Annual interest on use of the non-secured credit limit
16 %
Purchase fee
Free of Charge

Visa Infinite

Minimum security deposit amount 10 000 (in account currency)

Credit limit equal to security deposit amount

Annual card fee (with concierge, insurance, Priority Pass)
1000 EUR
Express issue of card
Free of Charge
Fee for replacement of card and PIN code
Free of Charge
Airport VIP lounge visit ("Priority Pass")
Free of Charge
Annual interest on use of the secured credit limit
8 %
Annual interest on use of the non-secured credit limit
14 %
Purchase fee
Free of Charge
Annual interest for security deposit
0 % annually

Provision of credit card Charge

MasterCard Gold & VISA Gold

Special tariff for holders of Term Deposits in the amount over EUR 50 000 with maturity of more than 1 year. The tarriff is applicable upon the maturity of the term deposit.

Card annual fee (with insurance & Priority Pass)
Free of Charge
Annual fee for every additional card
125 EUR
Airport VIP lounge per person (Priority Pass)
35 EUR
Annual interest on use of the secured credit limit
8 %
Annual interest on use of the non-secured credit limit
18 %
Allowed credit (% of term deposit amount)
25 %, max 50 000 EUR

MasterCard Platinum & VISA Platinum

Special tariff for holders of Term Deposits in the amount over EUR 150 000 with maturity of more than 1 year. The tarriff is applicable upon the maturity of the term deposit.

Card annual fee (with insurance & Priority Pass)
Free of Charge
Annual fee for every additional card
300 EUR
Airport VIP lounge per person (Priority Pass)
35 EUR
Allowed credit
25 %, max 50 000 EUR
Annual interest on use of the secured credit limit
8 %
Annual interest on use of the non-secured credit limit
16 %

Cash withdrawal

At ATMs in Latvia
2 %, min 5 EUR
At other banks in Latvia, and at other banks & ATMs abroad
3 %, min 8 EUR
Fee for balance inquiry at ATM in Latvia
Free of Charge
Fee for balance inquiry at ATMs abroad
0.50 EUR

MasterCard Light and Visa Light*

Annual fee for card
35 EUR
Annual interest on use of Credit Limit and/or Overdraft
22 %
Purchase fee in euro in SEPA** countries
Free of Charge
Purchase fee in other currencies or outside SEPA** countries
0.5 %

** SEPA − Single Euro Payments Area

*new cards are not issued after 01.05.2015

MasterCard Classic и VISA Classic*

Annual fee
45 EUR
Cardholder Insurance, annual
35 EUR
Annual interest on use of Credit Limit and/or Overdraft
22 %
Purchase fee in euro in SEPA** counties
Free of Charge
Purchase fee in other currencies or outside SEPA** counties
0.5 %

** SEPA − Single Euro Payments Area

*new cards are not issued after 01.05.2015

MasterCard World Elite

Minimum security deposit amount 10 000 (in account currency)

Credit limit equal to security deposit amount

Annual card fee (with concierge, insurance and Priority Pass)
1000 EUR
Express issue of card
Free of Charge
Fee for replacement of card and PIN code
Free of Charge
Airport VIP lounge visit ("Priority Pass")
Free of Charge
Annual interest on use of the secured credit limit
8 %
Annual interest on use of the non-secured credit limit
14 %
Purchase fee
Free of Charge
Annual interest for security deposit
0 % annually

Provision of credit card

Issue fee
Free of Charge
Express issue of card*
45 EUR

*Card to be collected in the Bank's Head Office on the same day after 17:00 if the card is ordered on the business day by 12:00, or on the next business day after 14.00 if the card is ordered on the business day after 12:00

Fee for ungrounded claim
20 EUR
Annual interest on Overlimit Debit Balance
48 %
Card account maintenance fee (charged starting from the 2nd month following the closure of the last card attached to this account)
25 EUR
Fee for replacement of card and PIN code
25 EUR
Self-defined PIN code (option is available only when ordering the card via iRietumu)
Free of Charge
Fee for balance inquiry at ATMs in Latvia
Free of Charge
Fee for balance inquiry at ATMs abroad
0.50 EUR
Charge for the extra authorisation bonus
25 EUR
Extra charge for the currency conversion**
2.5 %

** To calculate total fee for currency exchange in accordance with European Commission’s Regulation 518/2019:

For Mastercard card:

on the web page https://www.mastercard.com/global/currencyconversion/index.html enter transaction amount and currency, card account currency and the extra charge for the currency conversion according to the Bank’s fees

For VISA card:

1. on the web page https://www.visaeurope.com/making-payments/exchange-rates in "Card currency" section choose United States Dollar (USD), enter transaction amount and currency, the extra charge for the currency conversion according to the Bank’s fees

2. Exchange the calculated sum into your card account currency according to Rietumu Bank’s currency exchange rates https://www.rietumu.com/en/corporate/accounts/fx/fx-rates

Cash withdrawal

At ATMs in Latvia

First 5 withdrawals during the month*
1 %, min 2 EUR
Starting from the 6th withdrawal during the month*
3 %, min 5 EUR

At other banks in Latvia, and at other banks & ATMs abroad

First 5 withdrawals during the month*
2 %, min 3 EUR
Starting from the 6th withdrawal during the month*
3 %, min 5 EUR

* The fee is calculated on the date of transaction entry

MasterCard Gold & VISA Gold

Card annual fee (with insurance & Priority Pass)
125 EUR
Additional card annual fee
Free of Charge
Additional card Issue fee
40 EUR
Airport VIP lounge per person (Priority Pass)
35 EUR
Annual interest on use of Credit Limit and/or Overdraft
18 %
Purchase fee
Free of Charge

MasterCard Platinum & VISA Platinum

Card annual fee (with insurance & Priority Pass)
300 EUR
Additional card annual fee
Free of Charge
Additional card issue fee
40 EUR
Airport VIP lounge per person (Priority Pass)
35 EUR
Annual interest on use of Credit Limit and/or Overdraft
16 %
Purchase fee
Free of Charge

Visa Platinum Jurmala

Annual card fee (with insurance & Priority Pass)
400 EUR
Airport VIP lounge per person (Priority Pass)
35 EUR
Annual interest on use of the secured credit limit
8 %
Annual interest on use of the non-secured credit limit
16 %
Purchase fee
Free of Charge

Visa Infinite

Minimum security deposit amount 10 000 (in account currency)

Credit limit equal to security deposit amount

Annual card fee (with concierge, insurance, Priority Pass)
1000 EUR
Express issue of card
Free of Charge
Fee for replacement of card and PIN code
Free of Charge
Airport VIP lounge visit ("Priority Pass")
Free of Charge
Annual interest on use of the secured credit limit
8 %
Annual interest on use of the non-secured credit limit
14 %
Purchase fee
Free of Charge
Annual interest for security deposit
0 % annually

Provision of credit card Charge

MasterCard Gold & VISA Gold

Special tariff for holders of Term Deposits in the amount over EUR 50 000 with maturity of more than 1 year. The tarriff is applicable upon the maturity of the term deposit.

Card annual fee (with insurance & Priority Pass)
Free of Charge
Annual fee for every additional card
125 EUR
Airport VIP lounge per person (Priority Pass)
35 EUR
Annual interest on use of the secured credit limit
8 %
Annual interest on use of the non-secured credit limit
18 %
Allowed credit (% of term deposit amount)
25 %, max 50 000 EUR

MasterCard Platinum & VISA Platinum

Special tariff for holders of Term Deposits in the amount over EUR 150 000 with maturity of more than 1 year. The tarriff is applicable upon the maturity of the term deposit.

Card annual fee (with insurance & Priority Pass)
Free of Charge
Annual fee for every additional card
300 EUR
Airport VIP lounge per person (Priority Pass)
35 EUR
Allowed credit
25 %, max 50 000 EUR
Annual interest on use of the secured credit limit
8 %
Annual interest on use of the non-secured credit limit
16 %

Cash withdrawal

At ATMs in Latvia
2 %, min 5 EUR
At other banks in Latvia, and at other banks & ATMs abroad
3 %, min 8 EUR
Fee for balance inquiry at ATM in Latvia
Free of Charge
Fee for balance inquiry at ATMs abroad
0.50 EUR

MasterCard Light and Visa Light*

Annual fee for card
35 EUR
Annual interest on use of Credit Limit and/or Overdraft
22 %
Purchase fee in euro in SEPA** countries
Free of Charge
Purchase fee in other currencies or outside SEPA** countries
0.5 %

** SEPA − Single Euro Payments Area

*new cards are not issued after 01.05.2015

MasterCard Classic и VISA Classic*

Annual fee
45 EUR
Cardholder Insurance, annual
35 EUR
Annual interest on use of Credit Limit and/or Overdraft
22 %
Purchase fee in euro in SEPA** counties
Free of Charge
Purchase fee in other currencies or outside SEPA** counties
0.5 %

** SEPA − Single Euro Payments Area

*new cards are not issued after 01.05.2015

MasterCard World Elite

Minimum security deposit amount 10 000 (in account currency)

Credit limit equal to security deposit amount

Annual card fee (with concierge, insurance and Priority Pass)
1000 EUR
Express issue of card
Free of Charge
Fee for replacement of card and PIN code
Free of Charge
Airport VIP lounge visit ("Priority Pass")
Free of Charge
Annual interest on use of the secured credit limit
8 %
Annual interest on use of the non-secured credit limit
14 %
Purchase fee
Free of Charge
Annual interest for security deposit
0 % annually

Provision of credit card

Issue fee
Free of Charge
Express issue of card*
45 EUR

*Card to be collected in the Bank's Head Office on the same day after 17:00 if the card is ordered on the business day by 12:00, or on the next business day after 14.00 if the card is ordered on the business day after 12:00

Fee for ungrounded claim
20 EUR
Annual interest on Overlimit Debit Balance
48 %
Card account maintenance fee (charged starting from the 2nd month following the closure of the last card attached to this account)
25 EUR
Fee for replacement of card and PIN code
25 EUR
Self-defined PIN code (option is available only when ordering the card via iRietumu)
Free of Charge
Fee for balance inquiry at ATMs in Latvia
Free of Charge
Fee for balance inquiry at ATMs abroad
0.50 EUR
Charge for the extra authorisation bonus
25 EUR
Extra charge for the currency conversion**
2.5 %

** To calculate total fee for currency exchange in accordance with European Commission’s Regulation 518/2019:

For Mastercard card:

on the web page https://www.mastercard.com/global/currencyconversion/index.html enter transaction amount and currency, card account currency and the extra charge for the currency conversion according to the Bank’s fees

For VISA card:

1. on the web page https://www.visaeurope.com/making-payments/exchange-rates in "Card currency" section choose United States Dollar (USD), enter transaction amount and currency, the extra charge for the currency conversion according to the Bank’s fees

2. Exchange the calculated sum into your card account currency according to Rietumu Bank’s currency exchange rates https://www.rietumu.com/en/corporate/accounts/fx/fx-rates

Cash withdrawal

At ATMs in Latvia

First 5 withdrawals during the month*
1 %, min 2 EUR
Starting from the 6th withdrawal during the month*
3 %, min 5 EUR

At other banks in Latvia, and at other banks & ATMs abroad

First 5 withdrawals during the month*
2 %, min 3 EUR
Starting from the 6th withdrawal during the month*
3 %, min 5 EUR

* The fee is calculated on the date of transaction entry

MasterCard Business & VISA Business

Card annual fee
60 EUR
Insurance for card holder, annual
35 EUR
Annual charge for allowed credit
20 %
Purchase fee in euro in SEPA* countries
Free of Charge
Purchase fee in other currencies or outside SEPA* countries
0.5 %

* SEPA – Single Euro Payments Area

MasterCard Gold & VISA Gold

Card annual fee (with insurance & Priority Pass)
125 EUR
Additional card annual fee
65 EUR
Airport VIP lounge per person (Priority Pass)
35 EUR
Annual interest on use of Credit Limit and/or Overdraft
18 %
Purchase fee
Free of Charge

MasterCard Platinum & VISA Platinum

Card annual fee (with insurance & Priority Pass)
300 EUR
Additional card annual fee
150 EUR
Airport VIP lounge per person (Priority Pass)
35 EUR
Annual interest on use of Credit Limit and/or Overdraft
16 %
Purchase fee
Free of Charge

Visa Platinum Jurmala

Annual card fee (with insurance & Priority Pass)
400 EUR
Airport VIP lounge per person (Priority Pass)
35 EUR
Annual interest on use of the secured credit limit
8 %
Annual interest on use of the non-secured credit limit
16 %
Purchase fee
Free of Charge

Visa Infinite

Minimum security deposit amount 10 000 (in account currency)

Credit limit equal to security deposit amount

Annual card fee (with concierge, insurance, Priority Pass)
1000 EUR
Express issue of card
Free of Charge
Fee for replacement of card and PIN code
Free of Charge
Airport VIP lounge visit ("Priority Pass")
Free of Charge
Annual interest on use of the secured credit limit
8 %
Annual interest on use of the non-secured credit limit
14 %
Purchase fee
Free of Charge
Annual interest for security deposit
0 % annually

Provision of credit card Charge

MasterCard Gold & VISA Gold

Special tariff for holders of Term Deposits in the amount over EUR 50 000 with maturity of more than 1 year. The tarriff is applicable upon the maturity of the term deposit.

Card annual fee (with insurance & Priority Pass)
Free of Charge
Annual fee for every additional card
125 EUR
Airport VIP lounge per person (Priority Pass)
35 EUR
Annual interest on use of the secured credit limit
8 %
Annual interest on use of the non-secured credit limit
18 %
Allowed credit (% of term deposit amount)
25 %, max 50 000 EUR

MasterCard Platinum & VISA Platinum

Special tariff for holders of Term Deposits in the amount over EUR 150 000 with maturity of more than 1 year. The tarriff is applicable upon the maturity of the term deposit.

Card annual fee (with insurance & Priority Pass)
Free of Charge
Annual fee for every additional card
300 EUR
Airport VIP lounge per person (Priority Pass)
35 EUR
Allowed credit
25 %, max 50 000 EUR
Annual interest on use of the secured credit limit
8 %
Annual interest on use of the non-secured credit limit
16 %

Cash withdrawal

At ATMs in Latvia
2 %, min 5 EUR
At other banks in Latvia, and at other banks & ATMs abroad
3 %, min 8 EUR
Fee for balance inquiry at ATM in Latvia
Free of Charge
Fee for balance inquiry at ATMs abroad
0.50 EUR

MasterCard Light and Visa Light*

Annual fee for card
35 EUR
Annual interest on use of Credit Limit and/or Overdraft
22 %
Purchase fee in euro in SEPA** countries
Free of Charge
Purchase fee in other currencies or outside SEPA** countries
0.5 %

** SEPA − Single Euro Payments Area

*new cards are not issued after 01.05.2015

MasterCard World Elite

Minimum security deposit amount 10 000 (in account currency)

Credit limit equal to security deposit amount

Annual card fee (with concierge, insurance and Priority Pass)
1000 EUR
Express issue of card
Free of Charge
Fee for replacement of card and PIN code
Free of Charge
Airport VIP lounge visit ("Priority Pass")
Free of Charge
Annual interest on use of the secured credit limit
8 %
Annual interest on use of the non-secured credit limit
14 %
Purchase fee
Free of Charge
Annual interest for security deposit
0 % annually

Salary cards servicing for enterprises

Opening of current account
Free of Charge

Charges for transfering of funds to enterprise employee card accounts from transit/current account

If payment order has been delivered via Home Banking system
Free of Charge
If payment order has been delivered directly
0.14 EUR for every order

Provision of credit card

Issue fee
Free of Charge
Express issue of card*
45 EUR

*Card to be collected in the Bank's Head Office on the same day after 17:00 if the card is ordered on the business day by 12:00, or on the next business day after 14.00 if the card is ordered on the business day after 12:00

Fee for ungrounded claim
20 EUR
Annual interest on Overlimit Debit Balance
48 %
Card account maintenance fee (charged starting from the 2nd month following the closure of the last card attached to this account)
25 EUR
Fee for replacement of card and PIN code
25 EUR
Self-defined PIN code (option is available only when ordering the card via iRietumu)
Free of Charge
Fee for balance inquiry at ATMs in Latvia
Free of Charge
Fee for balance inquiry at ATMs abroad
0.50 EUR
Charge for the extra authorisation bonus
25 EUR
Extra charge for the currency conversion**
2.5 %

** To calculate total fee for currency exchange in accordance with European Commission’s Regulation 518/2019:

For Mastercard card:

on the web page https://www.mastercard.com/global/currencyconversion/index.html enter transaction amount and currency, card account currency and the extra charge for the currency conversion according to the Bank’s fees

For VISA card:

1. on the web page https://www.visaeurope.com/making-payments/exchange-rates in "Card currency" section choose United States Dollar (USD), enter transaction amount and currency, the extra charge for the currency conversion according to the Bank’s fees

2. Exchange the calculated sum into your card account currency according to Rietumu Bank’s currency exchange rates https://www.rietumu.com/en/corporate/accounts/fx/fx-rates

Cash withdrawal

At ATMs in Latvia

First 5 withdrawals during the month*
1 %, min 2 EUR
Starting from the 6th withdrawal during the month*
3 %, min 5 EUR

At other banks in Latvia, and at other banks & ATMs abroad

First 5 withdrawals during the month*
2 %, min 3 EUR
Starting from the 6th withdrawal during the month*
3 %, min 5 EUR

* The fee is calculated on the date of transaction entry

MasterCard Business & VISA Business

Card annual fee
60 EUR
Insurance for card holder, annual
35 EUR
Annual charge for allowed credit
20 %
Purchase fee in euro in SEPA* countries
Free of Charge
Purchase fee in other currencies or outside SEPA* countries
0.5 %

* SEPA – Single Euro Payments Area

MasterCard Gold & VISA Gold

Card annual fee (with insurance & Priority Pass)
125 EUR
Additional card annual fee
65 EUR
Airport VIP lounge per person (Priority Pass)
35 EUR
Annual interest on use of Credit Limit and/or Overdraft
18 %
Purchase fee
Free of Charge

MasterCard Platinum & VISA Platinum

Card annual fee (with insurance & Priority Pass)
300 EUR
Additional card annual fee
150 EUR
Airport VIP lounge per person (Priority Pass)
35 EUR
Annual interest on use of Credit Limit and/or Overdraft
16 %
Purchase fee
Free of Charge

Visa Platinum Jurmala

Annual card fee (with insurance & Priority Pass)
400 EUR
Airport VIP lounge per person (Priority Pass)
35 EUR
Annual interest on use of the secured credit limit
8 %
Annual interest on use of the non-secured credit limit
16 %
Purchase fee
Free of Charge

Visa Infinite

Minimum security deposit amount 10 000 (in account currency)

Credit limit equal to security deposit amount

Annual card fee (with concierge, insurance, Priority Pass)
1000 EUR
Express issue of card
Free of Charge
Fee for replacement of card and PIN code
Free of Charge
Airport VIP lounge visit ("Priority Pass")
Free of Charge
Annual interest on use of the secured credit limit
8 %
Annual interest on use of the non-secured credit limit
14 %
Purchase fee
Free of Charge
Annual interest for security deposit
0 % annually

Provision of credit card Charge

MasterCard Gold & VISA Gold

Special tariff for holders of Term Deposits in the amount over EUR 50 000 with maturity of more than 1 year. The tarriff is applicable upon the maturity of the term deposit.

Card annual fee (with insurance & Priority Pass)
Free of Charge
Annual fee for every additional card
125 EUR
Airport VIP lounge per person (Priority Pass)
35 EUR
Annual interest on use of the secured credit limit
8 %
Annual interest on use of the non-secured credit limit
18 %
Allowed credit (% of term deposit amount)
25 %, max 50 000 EUR

MasterCard Platinum & VISA Platinum

Special tariff for holders of Term Deposits in the amount over EUR 150 000 with maturity of more than 1 year. The tarriff is applicable upon the maturity of the term deposit.

Card annual fee (with insurance & Priority Pass)
Free of Charge
Annual fee for every additional card
300 EUR
Airport VIP lounge per person (Priority Pass)
35 EUR
Allowed credit
25 %, max 50 000 EUR
Annual interest on use of the secured credit limit
8 %
Annual interest on use of the non-secured credit limit
16 %

Cash withdrawal

At ATMs in Latvia
2 %, min 5 EUR
At other banks in Latvia, and at other banks & ATMs abroad
3 %, min 8 EUR
Fee for balance inquiry at ATM in Latvia
Free of Charge
Fee for balance inquiry at ATMs abroad
0.50 EUR

MasterCard Light and Visa Light*

Annual fee for card
35 EUR
Annual interest on use of Credit Limit and/or Overdraft
22 %
Purchase fee in euro in SEPA** countries
Free of Charge
Purchase fee in other currencies or outside SEPA** countries
0.5 %

** SEPA − Single Euro Payments Area

*new cards are not issued after 01.05.2015

MasterCard World Elite

Minimum security deposit amount 10 000 (in account currency)

Credit limit equal to security deposit amount

Annual card fee (with concierge, insurance and Priority Pass)
1000 EUR
Express issue of card
Free of Charge
Fee for replacement of card and PIN code
Free of Charge
Airport VIP lounge visit ("Priority Pass")
Free of Charge
Annual interest on use of the secured credit limit
8 %
Annual interest on use of the non-secured credit limit
14 %
Purchase fee
Free of Charge
Annual interest for security deposit
0 % annually