Payments cards

Service Mastercard® Debit Mastercard® Standard Mastercard® Gold Mastercard® Platinum
1. Card / additional card applications EUR 2 EUR 2 EUR 4 EUR 4
2. Card / additional card issuing fee
free of charge

After the introduction of the "Post by post" project: Receiving a new / renewed / replaced card at the branch:
- Seniors - free of charge
- for other customers - EUR 2

new / refurbished / replaced card by mail - free of charge

free of charge

After the introduction of the "Post by post" project: Receiving a new / renewed / replaced card at the branch:
- Seniors - free of charge
- for other customers - EUR 4

new / refurbished / replaced card by mail - free of charge

3. Card monthly fee EUR 1 EUR 1.20
EUR 6/EUR 3

Monthly fee for Mastercard® Gold or VISA Gold card usage, if the settlement card is issued under the special offer “Place your deposit and get Mastercard®/VISA Gold for free!” This fee is applied until expiry date of the issued settlement card, extraordinary exchange or until the deposit agreement is in effect. If the customer wishes to change or replace the card, standard terms and fee schedule shall be applied to a new card.

EUR 18
4. Additional card monthly fee EUR 1 EUR 1.20 EUR 6 EUR 18
5. Fee for card purchases
- in Latvia and abroad free of charge
- at the following traders (see the attachment) 1% of transaction value (min. EUR 2)
6. Cash withdrawal fee
in PNB Banka’s ATMs in Riga, 11 Raina boulevard, 2B Prusu Street free of charge 2%, min. EUR 3
in PNB Banka with a card (in EUR) one transaction a month up to EUR 700 - free of charge
over EUR 700 - 1% of the amount over EUR 700 (min. EUR 1,50)
all other monthly transactions - 1% of the amount (min. EUR 1.50)

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)

up to EUR 700 per month – free of charge;
 
over EUR 700 per month – 0.3% of amount over EUR 700
2%, min. EUR 3
In other ATMs in Latvia and abroad 2%, min. EUR 3
in PNB Banka with a card (in USD) 0.4%
in POS-terminals of other banks in Latvia and abroad 2%, min. EUR 3
in PNB Banka without using a card in accordance with the Fees for cash transactions
7. Fee for extraordinary replacement of card

free for Viva credit card, Elkor card, Mastercard® Platinum card, issued within "PNB Premium" set

EUR 5.50
8. Authorised Credit amount according to agreement
9. Interest for used Authorised Credit (per year) 26% 22% 22% 22%
10. Monthly repayment amount 100% 100% 100% 100%
11. Settlement date the last calendar day of the month
12. Contractual penalty for using the Unauthorised Credit (per day) 0.122%
13. Late payment interest (per day) 0.122%
14. Minimum amount of a security deposit - according to agreement
15. Annual interest rate on a security deposit according to current deposit rates
16. Loan amount (% of placed deposit) - up to EUR 4500 according to agreement
17. Fee for automatic card account replenishment EUR 8.54
18. Fee for urgent card issue (8 hours)

free for Viva credit card, Elkor card, Mastercard® Platinum card, issued within "PNB Premium" set

EUR 20
19. Forwarding of the card to another customer service centre EUR 5
20. Multi-currency account opening (single pay) EUR 10
21. Priority Pass extraordinary card renewal - EUR 21.34
22. Fee for requesting balance in other banks’ ATMs:
− for the users of the Bank’s Account for Seniors, the Golden Set and the Everyday Set EUR 0.28
− for other customers EUR 0.50
23. Currency exchange mark-up

Currency exchange markup is applied to card transactions in case the transaction currency differs from the currency of the card account, from which the funds are being debited

2.5%
24. Fee for the use of a card account without an active card  (except for the Citizen Card, PNB Premium and PNB Prime sets), from the 4th to the 6th month (inclusive) EUR 0.50 monthly
25. Servicing of each Account if the client is inactive (surcharge)

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

EUR 1 monthly
26. Fee for balance request at PNB Banka’s ATM free of charge
27. Fee for PIN code change through PNB Banka’s ATM free of charge
28. Unblocking PIN code in PNB Banka’s ATM free of charge
29. Verification of documents for a private person to open an account with a residence permit EUR 25
30. Fast Track at Riga International Airport -
included

Holders of Masterсard® Platinum are entitled receiving two free of charge coupons per month. Commission fee for ordering further coupons (within calendar month) – EUR 8.50. Commission fee for ordered coupons will be charged during first 5 business days following reporting period. Coupon is valid one year since order date.
For cards that are no longer issued, the following service fees are applied