Payment Cards — Industra – A Bank That Understands Businesspeople

In force from 01.04.2025.

10.1. MasterCard Debit

No.	Services	Card in EUR	Card in USD
10.1.1.	Issuance of a payment card/ additional card	50,00 EUR	60,00 USD
10.1.2.	Fee for urgent card issue¹	100,00 EUR	120,00 USD
10.1.3.	Annual Card fee/ additional card fee	60,00 EUR	80,00 USD
10.1.4.	Payment card replacement or renewal before or after the expiration date	50,00 EUR	60,00 USD
10.1.5.	Interest on the use of the credit limit
10.1.5.1.	interest on the authorized credit per annum	24%	24%²
10.1.5.2.	interest on exceeding of the authorized credit limit per annum	60%	60%²
10.1.6.	Overdraft arrangement fee	25,00 EUR	is not issued
10.1.7.	Overdraft extension or contract change fee	25,00 EUR	is not issued
10.1.8.	Reviewing a claim³	free of charge	free of charge
10.1.9.	Cash withdrawal
10.1.9.1.	in ATMs	3% (min. 5,00 EUR)	3% (min. 7,00 USD)
10.1.9.2.	Industra Bank POS in Latvia	3% (min. 5,00 EUR)	3% (min. 7,00 USD)
10.1.9.3.	other bank's POS terminals	3% (min. 10,00 EUR)	2% (min. 15,00 USD)
10.1.10.	Checking of an account balance
10.1.10.1.	at ATMs in in SEPAcountries⁴	0,50 EUR	0,80 USD
10.1.10.2.	at ATMs outside SEPA countries⁴	0,80 EUR	1,00 USD
10.1.11.	Purchases fee
10.1.11.1.	in SEPA countries⁴	free of charge	free of charge
10.1.11.2.	outside SEPA countries⁴	0.25% (min. 0,20 EUR)	0.25% (min. 0,30 USD)
10.1.12.	Daily spending limit
10.1.12.1.	at merchants / with service providers	2 500 EUR	3 500 USD
10.1.12.2.	in ATMs	1 500 EUR	1 800 USD
10.1.13.	Administration of the card's daily spending limit⁵	15,00 EUR	20,00 USD
10.1.14.	Currency conversion surcharge, if the currency of the basic account attached to the payment card is not the same as the transaction currency and the payment currency	3%	3%
10.1.15.	Credit transaction fee	0.25% (min. 0,50 EUR)	0.25% (min. 0,80 USD)
10.1.16.	Collateral Amount	250,00 EUR	250,00 USD
10.1.17.	Other fees related to issuing/ sending the card
10.1.17.1.	fee for changing the card collection location and/ or method of receipt⁶	25,00 EUR	40,00 USD
10.1.17.2.	card preparation for dispatch within the territory Latvia (a card issuance fee is charged simultaneously)	10,00 EUR	15,00 USD
10.1.17.3.	card preparation for dispatch outside the territory of Latvia (a card issuance fee is charged simultaneously)	100,00 EUR	120,00 USD
10.1.18.	Activation of card received by post
10.1.18.1.	in Internet Bank	free of charge	free of charge
10.1.18.2.	at the Bank	10,00 EUR	15,00 USD

10.2. MasterCard Standard

No.	Services	Card in EUR	Card in USD
10.2.1	Issuance of a payment card/ additional card	50,00 EUR	60,00 USD
10.2.2.	Fee for urgent card issue¹	100,00 EUR	120,00 USD
10.2.3.	Annual card fee/ additional card fee	70,00 EUR	90,00 USD
10.2.4.	Payment card replacement or renewal before or after the expiration date	50,00 EUR	60,00 USD
10.2.5.	Interest for balance on card account
10.2.5.1.	interests for the allowed credit per annum	24%	24%²
10.2.5.2.	interests for exceeding of the allowed credit limit per annum	60%	60%²
10.2.6.	Overdraft arrangement fee	25,00 EUR	is not issued
10.2.7.	Overdraft extension or contract change fee	25,00 EUR	is not issued
10.2.8.	Reviewing a claim³	free of charge	free of charge
10.2.9.	Cash withdrawal
10.2.9.1.	in ATMs	3% (min. 5,00 EUR)	3% (min. 7,00 USD)
10.2.9.2.	in Industra Bank POS in Latvia	3% (min. 5,00 EUR)	3% (min. 7,00 USD)
10.2.9.3.	in other bank POS	3% (min. 10,00 EUR)	3% (min. 15,00 USD)
10.2.10.	Checking of an account balance
10.2.10.1.	at ATMs in SEPAcountries⁴	0,50 EUR	0,80 USD
10.2.10.2.	at ATMs outside SEPA countries⁴	0,80 EUR	1,00 USD
10.2.11.	Purchases fee
10.2.11.1.	in SEPAcountries⁴	free of charge	free of charge
10.2.11.2.	outside SEPA countries⁴	0.25% (min. 0,20 EUR)	0.25% (min. 0,30 USD)
10.2.12.	Daily spending limit
10.2.12.1.	at merchants / with service providers	4 000 EUR	5 000 USD
10.2.12.2.	in ATM	2 000 EUR	2 500 USD
10.2.13.	Administration of card's daily spending limit	15,00 EUR	20,00 USD
10.2.14.	Currency conversion surcharge, if the currency of the basic account attached to the payment card is not the same as the transaction currency and the payment currency	3%	3%
10.2.15	Credit transaction fee	0.25% (min. 0,50 EUR)	0.25% (min. 0,80 USD)
10.2.16	Collateral Amount	250,00 EUR	250,00 USD
10.2.17.	Other fees related to issuing/ sending the card
10.2.17.1.	fee for changing the card collection location and/or method of receipt⁶	25,00 EUR	40,00 USD
10.2.17.2.	card preparation for dispatch within the territory Latvia (a card issuance fee is charged simultaneously)	10,00 EUR	15,00 USD
10.2.17.3.	card preparation for dispatch outside the territory of Latvia (a card issuance fee is charged simultaneously)	100,00 EUR	120,00 USD
10.2.18.	Activation of card received by post
10.2.18.1.	in Internet Bank	free of charge	free of charge
10.2.18.2.	at the Bank	10,00 EUR	15,00 USD

10.3. MasterCard Gold

No.	Services	Card in EUR	Card in USD
10.3.1.	Issuance of a payment card / additional card	50,00 EUR	60,00 USD
10.3.2.	Fee for urgent card issue¹	100,00 EUR	120,00 USD
10.3.3.	Annual card/ additional card fee	150,00 EUR	200,00 USD
10.3.4.	Payment card replacement or renewal before or after the expiration date	50,00 EUR	60,00 USD
10.3.5.	Interest on the use of the credit limit
10.3.5.1.	interest on the authorized credit per annum	24%	24%²
10.3.5.2.	interest on exceeding of the authorized credit limit per annum	60%	60%²
10.3.6.	Reviewing a claim³	free of charge	free of charge
10.3.7.	Overdraft arrangement fee	25,00 EUR	is not issued
10.3.8.	Overdraft extension or contract change fee	25,00 EUR	is not issued
10.3.9.	Cash withdrawal
10.3.9.1.	in ATMs	3% of amount (min. 5,00 EUR)	3% of amount (min. 7,00 USD)
10.3.9.2.	Industra Bank POS terminals in Latvia	3% of amount (min. 5,00 EUR)	3% of amount (min. 7,00 USD)
10.3.9.3.	other bank's POS terminals	3% of amount (min. 10,00 EUR)	3% of amount (min. 15,00 USD)
10.3.10.	Checking of an account balance
10.3.10.1.	at ATMs in in SEPAcountries⁴	0,50 EUR	0,80 USD
10.3.10.2.	at ATMs outside SEPA countries⁴	0,80 EUR	1,00 USD
10.3.11.	Purchases fee
10.3.11.1.	in SEPAcountries⁴	0.15%	0.15%
10.3.11.2.	outside SEPA countries⁴	0.25% of amount (min. 0,20 EUR)	0.25% of amount (min. 0,30 USD)
10.3.12.	Daily spending limit
10.3.12.1.	at merchants / with service providers	7 000 EUR	9 000 USD
10.3.12.2.	in ATMs	2 800 EUR	3 500 USD
10.3.13.	Administration of the card's daily spending limit⁵	15,00 EUR	20,00 USD
10.3.14.	Currency conversion surcharge, if the currency of the main account attached to the payment card neither coincides with the transaction currency nor with the payment currency	3%	3%
10.3.15.	Credit transaction fee	0,25% of amount (min. 0,50 EUR)	0,25% of amount (min. 0,80 USD)
10.3.16	Collateral Amount	250,00 EUR	250,00 USD
10.3.17.	Other fees related to issuing/ sending the card
10.3.17.1.	fee for changing the card collection location and/or method of receipt⁶	25,00 EUR	40,00 USD
10.3.17.2.	card preparation for dispatch within the territory Latvia (a card issuance fee is charged simultaneously)	10,00 EUR	15,00 USD
10.3.17.3.	card preparation for dispatch outside the territory of Latvia (a card issuance fee is charged simultaneously)	100,00 EUR	120,00 USD
10.3.18.	Activation of card received by post
10.3.18.1.	in Internet Bank	free of charge	free of charge
10.3.18.2.	at the Bank	10,00 EUR	15,00 USD
10.3.19.	Travel insurance (Standard program)	free of charge	free of charge
10.3.20.	Priority Pass⁷	35 EUR per visit per person	45 USD per visit per person
10.3.21.	Fast Track⁸	According to the airport price list	According to the airport price list

10.4. Travel insurance

No.	Services	Price, EUR
10.4.1.	Standard program	10,00 EUR/per year
10.4.2.	Silver program	20,00 EUR/per year
10.4.3.	Gold program	30,00 EUR/per year
10.4.4.	Platinum program	40,00 EUR/per year

¹ By agreement with the Customer for collecting the card at the Industra Bank head office, the card is prepared within 1 working day, provided the application is submitted by 12:00 p.m. The fee for card production is charged additionally.
² Interest is calculated on a negative account balance.
³ If investigating a complaint requires transaction confirmation documents, a fee based on the actual service cost will apply.
⁴SEPA — the Single Euro Payment Area.
⁵ Changing the limit independently via Internet Bank is free of charge.
⁶ The fee is applied from the moment the card is handed over for dispatch. The commission retained for the initially chosen card collection location and method is non-refundable.
⁷ The service provides access to over 1500 VIP airport lounges across more than 143 countries.
⁸ The service offers priority access to security checkpoints at airports worldwide, including Riga, Vilnius, and Tallinn, through a user-friendly app.

10. Payment Cards

10.1. MasterCard Debit

10.2. MasterCard Standard

10.3. MasterCard Gold

10.4. Travel insurance

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