Elkor credit card

Type of services Charges
1. Card issuance fee free of charge
2. Card account opening fee free of charge
3. Card usage fee 1 EUR monthly *
4. Purchase fee (incl. purchases online):
- in Latvia free of charge
- abroad 0.5% of the purchase amount
- at the following traders (see the attachment) 1% of transaction value (min. 2,00 EUR)
5. Cash withdrawal fee
- in PNB Banka’s ATMs in Riga, 11 Raina boulevard, 2B Prusu Street The first two transactions – free of charge,
starting with the third transaction - 1% of amount, 1.50 EUR min.
- in PNB Banka with a card EUR currency
- in other ATMs in Latvia and abroad
one transaction a month up to 700 EUR - free of charge;
over 700 EUR - 1% of the amount over 700 EUR (min. 1.50 EUR);
all other monthly transactions - 1% of the amount (min. 1.50 EUR)

The commission fee is withheld on the last business day of the month, in which the amount of the transaction was deducted from the customer’s card account

(see annex Information on the procedure of withholding the commission fee for cash withdrawal using a card at PNB Banka POS terminals and ATMs in Latvia and abroad)
- in POS-terminals of other banks in Latvia and abroad 2%, min. 3 EUR
in PNB Banka without using a card:
- EUR In accordance with the Tariffs for cash transactions
6. Interest for the allowed loan amount 23.00% ** a year of the allowed loan limit spent
7. Minimum monthly repayment amount of the allowed loan limit spent 5%
8. Penalty interest a day for the exceeded loan limit (is charged as from the date when the overdraft occurred) 0.167% a day
9. Penalty interest a day for a delayed monthly payment 0.25% a day
10. Card activation fee after it has been blocked due to violations of the card usage terms 15,00 EUR
11. Charges for extraordinary card replacement in case of loss or damage thereof 15,00 EUR
12. Fee for urgent card issuance (within 8 working hours) 21,34 EUR
13. Report sending fee
- via mail across Latvia 2,13 EUR
- via e-mail free of charge
- to be received at PNB Banka's branch 0,71 EUR
14. Preparation of additional reports 1,42 EUR
15. Fee for a transfer from the ELKOR card account In accordance with the tariffs for current account
16. Fee for balance inquiry in other ATMs 0,28 EUR
17. Maintenance of a card account without an active card, starting from the 4th month 0,20 EUR monthly
18. Maintenance of a card account without an active card, starting from the 2nd year 2 EUR monthly
19. Card account maintenance of an inactive client*** 1 EUR monthly
20. Fee for balance request at PNB Banka’s ATM free of charge
21. Fee for PIN code change through PNB Banka’s ATM free of charge
22. Unblocking PIN code in PNB Banka’s ATM free of charge
23. Verification of documents for a private person to open an account with a residence permit EUR 25


* For the customers who have applied for the ELKOR credit card by 21.04.2016, these tariffs will become effective as from this May 21.
** if the allowed loan amount is paid until the 25th day of the next month, an applicable interest rate is 0% per annum. If the card loan is not paid, the applicable interest rate is 23% per annum of the amount of a used allowed loan for the entire period starting from the first day of using the allowed loan.
*** A client shall be deemed inactive if neither of his/her settlement/card accounts opened in the Bank has had at least 3 (three) debit operations per month during any of the last 4 (four) calendar months (except for debit operations related to withholding the Bank’s commission fees) and/or salary, pension and/or allowance is credited to the account in a non-cash form, and/or the client is not provided any of the following services: deposit, investment account, marginal account, a loan and it is not more than 5 (five) days overdue, pre-paid utility commission payment card