The cards which are not being issued anymore

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The cards which are not being issued anymore

Service VISA Electron / Maestro VISA Classic VISA Gold VISA Platinum
1. Card monthly fee 0.60 EUR 1.00 EUR 6.00 EUR 18.00 EUR
2. Additional card issuing fee 2.00 EUR 2.00 EUR 2.00 EUR 2.00 EUR
3. Additional card monthly fee 0.60 EUR 1.00 EUR 6.00 EUR 18.00 EUR
4. Fee for card purchases
- in Latvia and abroad free of charge
- at the following traders (see the attachment) 1% of transaction value (min. 2 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.		 1% of amount, 1.50 EUR min.
in PNB Banka with a card (in EUR) 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)		 Up to 1500 EUR per month – free of charge
 
Over 1500 EUR per month – 0,2% of amount over 1500 EUR
in other ATMs in Latvia and abroad 2%, min. 3 EUR
in PNB Banka with a card (in USD) 0,4%
in POS-terminals of other banks in Latvia and abroad 2%, min. 3 EUR
in PNB Banka without using a card In accordance with the Fees for cash transactions
6. Fee for extraordinary replacement of card * 5,69 EUR 14,23 EUR
7. Authorised Credit amount according to agreement
8. Interest for used Authorised Credit (per year) 26% 22% 22% 22%
9. Monthly repayment amount 100% 100% 100% 100%
10. Settlement date The last calendar day of the month
11. Contractual penalty for using the Unauthorised Credit (per day) 0.122%
12. Late payment interest (per day) 0.122%
13. Minimum amount of a security deposit - according to agreement
14. Annual interest rate on a security deposit according to current deposit rates
15. Loan amount (% of placed deposit) - up to 4500 EUR according to agreement
16. Fee for automatic card account replenishment 8,54 EUR
17. Fee for urgent card issue (8 hours) 14,23 EUR
18. Card statement by post 1,42 EUR
19. Multi-currency account opening (single pay) 7,11 EUR
20. Priority Pass membership fee - free of charge
21. Priority Pass extraordinary card renewal - 21,34 EUR
22. Fee for one visit per person to the Priority Pass Lounge area at an airport - 27 USD
23. Commission for other ATM balance request 0,28 EUR
24. Currency exchange mark-up ** 2,5%
25. Maintenance of a card account without an active card, starting from the 4th month 0,20 EUR monthly
26. Maintenance of a card account without an active card, starting from the 2nd year 2 EUR monthly
27. Card account maintenance of an inactive client*** 5 EUR monthly
28. Fee for balance request at PNB Banka’s ATM free of charge
29. Fee for PIN code change through PNB Banka’s ATM free of charge
30. Unblocking PIN code in PNB Banka’s ATM free of charge

 

* Fee for early replacement of a card is not applied when a VISA card is replaced to a Mastercard® card within a client set.
** 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.
*** Inactive client:
- no banking transactions (excluding commission fee deductions) have been made over the last 12 months in client’s accounts, including card accounts;
- client has no active deposits, Savings accounts, issued Pre-paid Utility Payment cards or past due loans.

 

Mastercard® Standard Salary Card

Mastercard® Standard Salary Card is not being issued as from 15.12.2015

Service type Mastercard® Standard Salary Card
1. Fee for the use of the card per month 0,80 EUR
2. Fee for the use of the additional card per year 0,80 EUR
3. Purchase fee (incl. purchases online)
- at the following traders (see the attachment) 1% of transaction value (min. 2 EUR)
- in Latvia and abroad free of charge
4. Cash withdrawal fee
- in PNB Banka’s ATMs in Riga, 11 Raina boulevard, 2B Prusu Street 1% of amount, 1.50 EUR*
- in PNB Banka with a card
- in ATMs in Latvia and abroad
- EUR
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)
- USD 0,4%
- in POS-terminals of other banks in Latvia and abroad 2%, min. 3 EUR
- in PNB Banka without using a card:
- EUR, USD, GBP, RUB In accordance with the Tariffs for cash transactions
5. Fee for extraordinary replacement of card 5,69 EUR
6. Fee for automatic replenishment of card account (per month) 8,54 EUR
7. Fee for urgent card issue (8 hours) 14,23 EUR
8. Post fee 1,42 EUR
9. Multi-currency account opening (single pay) 7,11 EUR
10. Commission for other ATM balance request 0,28 EUR
11. Currency exchange mark-up ** 2,5%
12. Maintenance of a card account without an active card, starting from the 4th month 0,20 EUR monthly
13. Maintenance of a card account without an active card, starting from the 2nd year 2 EUR monthly
14. Card account maintenance of an inactive client*** 5 EUR monthly
15. Fee for balance request at PNB Banka’s ATM free of charge
16. Fee for PIN code change through PNB Banka’s ATM free of charge
17. Unblocking PIN code in PNB Banka’s ATM free of charge

 

* except for Mastercard® Standard Salary cards, issued within the set Unlimited.
** Currency exchange mark-up applies, if the transaction currency differs from the card account currency
*** Inactive client:
- no banking transactions (excluding commission fee deductions) have been made over the last 12 months in client’s accounts, including card accounts;
- client has no active deposits, Savings accounts, issued Pre-paid Utility Payment cards or past due loans.

 

VIVA Maestro Card

VIVA Maestro Card is not being issued

Type of services VIVA Maestro
1. Monthly payment for using card 2 EUR
2. Monthly payment for using additional card 2 EUR
3. Cash withdrawal fee
    - in PNB Banka’s ATMs in Riga, 11 Raina boulevard, 2B Prusu Street 2% of amount, 3 EUR
    - in PNB Banka with a card (in EUR) 2,5% (min. 4 EUR)
    - in other banks and other banks’ ATMs in Latvia and abroad 3% (min. 4 EUR)
    - in PNB Banka without using a card 2,5% (min. 4 EUR)
    - Charge for transfer from the card account in accordance with the current account rates + 2% (min. 3 EUR)
4. Purchase fee (incl. purchases online)
- in Latvia and abroad free of charge
- at the following traders (see the attachment) 1% of transaction value (min. 2,00 EUR)
5. Payment for extraordinary replacement of card if it is lost or damaged 15.00 EUR
6. Payment for urgent production of card (within 8 business hours) 30.00 EUR​​
7. Fee for sending a report
- via mail across Latvia 2,13 EUR
- via e-mail free of charge
- when obtaining it at PNB Banka's branch 0,71 EUR
8. Presentation of additional reports 1,42 EUR
9. Charge for amendments in agreement terms (except for the date of VIVA card payment) 14,23 EUR
10. Fee for balance inquiry at ATMs 0,28 EUR
11. Maintenance of a card account without an active card, starting from the 3rd month 0,20 EUR monthly
12. Maintenance of a card account without an active card, starting from the 2nd year 2 EUR monthly
13. Card account maintenance of an inactive client* 5 EUR monthly
14. Fee for balance request at PNB Banka’s ATM free of charge
15. Fee for PIN code change through PNB Banka’s ATM free of charge
16. Unblocking PIN code in PNB Banka’s ATM free of charge

 

* Inactive client:
- no banking transactions (excluding commission fee deductions) have been made over the last 12 months in client’s accounts, including card accounts;
- client has no active deposits, Savings accounts, issued Pre-paid Utility Payment cards or past due loans.

 

Interest rates for VIVA card loans
1. Loan (% of average monthly income) up to 300%
2. Monthly payment amount (% of average monthly income) up to 30%
3. Interest for using a loan (per annum) by cards opened before 15.05.2014. from 22% to 27% of the used loan amount
4. Regular interest rate for using a loan by cards opened after 16.05.2014. 17.99% per annum of the used loan amount
5. Improved* interest rate for using a loan by cards opened after 16.05.2014. 16.99%* per annum of the used loan amount
6. Penalty interest per day for overdraft 0.167%
7. Penalty interest per day for delayed monthly payment 0.25%

 

* Improved interest rate may be applied if a customer meets at least one of the terms:
- the customer has transferred regular income to the account at PNB Banka for at least 6 months;
- the customer transfers their pension to the account at PNB Banka or together with the loan processing the Bank files an application to the State Social Insurance Agency on transferring the pension to PNB Banka;
- the customer has paid in full and/or 50% of obligations towards PNB Banka with a delayed payment for the entire period by every granted loan separately not exceeding 10 days for the entire loan period and/or the customer has an active card with a credit limit for at least 6 months and delayed payments separately for the entire period does not exceed 10 days for the entire loan period;
- a natural person who is not a customer of PNB Banka or is PNB Banka's customer has repaid 2 (two) or more loans at PNB Banka or in other credit institutions and exceeded not more than a single payment term of aggregate duration not exceeding 60 days for the entire loan period.

 

INDIGO credit card

INDIGO Credit Card is not being issued as from 01.01.2017.

Type of services Charges
1. Card issuance fee 2 EUR
2. Additional card issuance fee 2 EUR
3. Card usage fee per month 2 EUR
4. Additional card usage fee per month 2 EUR
5. 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)
6. Cash withdrawal fee
    - in PNB Banka’s ATMs in Riga, 11 Raina boulevard, 2B Prusu Street 2% of amount (3 EUR min)
    - in PNB Banka with a card (in EUR) 2,5% (min. 4 EUR)
    - in other banks and other banks’ ATMs in Latvia and abroad 3% (min. 4 EUR)
    - in PNB Banka without using a card 2,5% (min. 4 EUR)
    - Charge for transfer from the card account in accordance with the current account rates + 2% (min. 3 EUR)
7. Interest for loan use (per annum) by cards opened before 15.05.2014. from 22% to 27% of a spent loan limit
8. Regular interest rate for loan use by cards opened after 16.05.2014. 17.99% a year of a spent loan limit
9. Improved* interest rate for loan use by cards opened after 16.05.2014. 16.99%* a year of a spent loan limit
10. Minimum monthly payment of a spent sum of the loan granted 5%
11. Penalty interest a day for the exceeded limit 0.15% a day
12. Penalty interest a day for delayed monthly payment 0.167% a day
13. Card activation fee after it has been blocked due to violations of the card usage terms 14.23 EUR
14. Charges for extraordinary card replacement in case of loss or damage thereof 14.23 EUR
15. Fee for urgent card issuance (within 8 working hours) 21.34 EUR
16. 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
17. Presentation of additional reports 1.42 EUR
18. Fee for balance inquiry in ATMs 0.28 EUR
19. Maintenance of a card account without an active card, starting from the 3rd month 0,20 EUR monthly
20. Maintenance of a card account without an active card, starting from the 2nd year 2 EUR monthly
21. Card account maintenance of an inactive client** 5 EUR monthly
22. Fee for balance request at PNB Banka’s ATM free of charge
23. Fee for PIN code change through PNB Banka’s ATM free of charge
24. Unblocking PIN code in PNB Banka’s ATM free of charge

 

* Improved interest rate may be applied if a customer meets at least one of the terms:
- the customer has transferred regular income to the account at PNB Banka for at least 6 months;
- the customer transfers their pension to the account at PNB Banka or together with the loan processing the Bank files an application to the State Social Insurance Agency on transferring the pension to PNB Banka;
- the customer has paid in full and/or 50% of obligations towards PNB Banka with a delayed payment for the entire period by every granted loan separately not exceeding 10 days for the entire loan period and/or the customer has an active card with a credit limit for at least 6 months and delayed payments separately for the entire period does not exceed 10 days for the entire loan period;
- a natural person who is not a customer of PNB Banka or is PNB Banka's customer has repaid 2 (two) or more loans at PNB Banka or in other credit institutions and exceeded not more than a single payment term of aggregate duration not exceeding 60 days for the entire loan period.
** Inactive client:
- no banking transactions (excluding commission fee deductions) have been made over the last 12 months in client’s accounts, including card accounts;
- client has no active deposits, Savings accounts, issued Pre-paid Utility Payment cards or past due loans.

 

Elkor credit card

Elkor credit card is not being issued as from 11.01.2019

Type of services Charges
1. Card issuance fee free of charge
2. Card account opening fee free of charge
3. Card usage fee
EUR 1 monthly

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.
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. EUR 2)
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, min.EUR 1.50. 
- in PNB Banka with a card EUR currency
- in other ATMs in Latvia and abroad		 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)
- 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 Tariffs for cash transactions
6. Interest for the allowed loan amount 23% a year of the allowed loan limit spent

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
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 EUR 15
11. Charges for extraordinary card replacement in case of loss or damage thereof EUR 15
12. Fee for urgent card issuance (within 8 working hours) EUR 21.34 
13. Report sending fee
- via mail across Latvia EUR 2.13 
- via e-mail free of charge
- to be received at PNB Banka's branch EUR 0.71 
14. Preparation of additional reports EUR 1.42 
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 EUR 0.28 
17. Maintenance of a card account without an active card, starting from the 4th month EUR 0.50 
18. Card account maintenance of an inactive client

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
19. Fee for balance request at PNB Banka’s ATM free of charge
20. Fee for PIN code change through PNB Banka’s ATM free of charge
21. Unblocking PIN code in PNB Banka’s ATM free of charge
22. Verification of documents for a private person to open an account with a residence permit EUR 25
 

 

Cirrus Card

Cirrus Card is not being issued

Service Cirrus
1. Card issue fee 2 EUR
2. Fee for the use of the card per month 0,60 EUR
3. Additional card issue fee 2 EUR
4. Fee for the use of the additional card per year 0,60 EUR
5. Cash withdrawal fee
- in PNB Banka’s ATMs in Riga, 11 Raina boulevard, 2B Prusu Street 2% of amount, 3 EUR min.
- in other ATMs in Latvia and abroad
- in POS terminals of PNB Banka, with a card in EUR currency		 up to 700 EUR one transaction in a month - free of charge;
over 700 EUR- 1% ,min. 1.50 EUR, from the sum exceeding 700 EUR;
the commission fee applied to all other transactions performed in the current month is 1% from the sum, 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 PNB Banka, with a card in USD currency 0,4%
- in POS-terminals of other banks in Latvia and abroad 2% (min. 3 EUR)
- in PNB Banka without using a card In accordance with the Fees for cash transactions
 
6. Fee for extraordinary replacement of card 5,69 EUR
7. Fee for automatic card account replenishment 8,54 EUR
8. Fee for urgent card issue (8 hours) 14,23 EUR
9. Post fee 1,42 EUR
10. Multi-currency account opening (single pay) 7,11 EUR
11. Commission for other ATM balance request 0,28 EUR
12. Currency exchange mark-up * 2,5%
13. Maintenance of a card account without an active card, starting from the 4th month 0,20 EUR monthly
14. Maintenance of a card account without an active card, starting from the 2nd year 2 EUR monthly
15. Card account maintenance of an inactive client** 5 EUR monthly
16. Fee for balance request at PNB Banka’s ATM free of charge
17. Fee for PIN code change through PNB Banka’s ATM free of charge
18. Unblocking PIN code in PNB Banka’s ATM free of charge

 

* 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.
** Inactive client:
- no banking transactions (excluding commission fee deductions) have been made over the last 12 months in client’s accounts, including card accounts;
- client has no active deposits, Savings accounts, issued Pre-paid Utility Payment cards or past due loans. 

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