Legal Entities

10. Payment Cards MasterCard Business

In force from 01.04.2025

10.1. MasterCard Business

No. Services Card in EUR Card in USD

10.1.1.

Issuance of a payment card/ additional card   5,00 EUR 10,00 USD 

10.1.2.

Receipt of payment card /additional card (a card issuance fee is charged simultaneously)     

10.1.2.1

using postal services within the territory of Latvia

free of charge free of charge
10.1.2.2.

at the Bank 

10,00 EUR 15,00 USD

10.1.3.

Urgent issuance of a card2

35,00 EUR

50,00 USD

10.1.4.

Monthly fee for a card/additional card

4,00 EUR

10,00 USD

10.1.5.

Payment card replacement or renewal before or after the expiration date 

5,00 EUR

10,00 USD

10.1.5.1.

receipt using postal services within the territory of Latvia 

free of charge free of charge
10.1.5.2.

receipt at the Bank 

10,00 EUR 15,00 USD

10.1.6.

Reviewing a claim3  

free of charge

free of charge

10.1.7.

Interest on the use of the credit limit     

10.1.7.1.

interest for the authorized credit per annum

24%

24%4

10.1.7.2.

interest for exceeding the authorized credit limit per annum

60%

60%4

10.1.8.

Overdraft arrangement fee

50,00 EUR

are not issued

10.1.9.

Overdraft extension or contract change fee

50,00 EUR

are not issued

10.1.10.

Cash withdrawal

 

 

10.1.10.1.

ATMs in SEPA5 countries 

2% of the amount (min. 3,00 EUR)

2% of the amount (min. 5,00 USD)

10.1.10.2.

Industra Bank POS terminals in Latvia  

2% of the amount (min. 7,00 EUR)

2% of the amount (min. 10,00 USD)

10.1.10.3.

other bank's POS terminals

2% of the amount (min. 7,00 EUR)

2% of the amount (min. 10,00 USD)

10.1.11.

Checking of an account balance 

 

 

10.1.11.1.

 at ATMs in SEPA5 countries

0,25 EUR

0,40 USD

10.1.11.2.

at ATMs outside SEPA5 countries

0,50 EUR

0,70 USD

10.1.12.

Purchases charge

free of charge

0,25% of the amount

10.1.13.

Daily spending limit

 

 

10.1.13.1.

at merchants / with service providers

4 000,00 EUR

5 000,00 USD

10.1.13.2.

at ATMs 

2 000,00 EUR

2 500,00 USD

10.1.14.

Administration of card's daily spending limit6

10,00 EUR

15,00 USD

10.1.15.

Credit transaction fee 

0,15% of the amount (min. 0,10 EUR)

0,15% of the amount (min. 0,15 USD)

10.1.16.

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%

10.1.17.

Other fees related to issuing / sending the card

 

 

10.1.17.1.

fee for changing the card collection location and/or method of receipt

10,00 EUR

15,00 USD

10.1.17.2.

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 Business World

No. Services Card in EUR Card in USD

10.2.1.

Issuance of a payment card/ additional card  

 

 

10.2.2. Receipt of payment card /additional card (a card issuance fee is charged simultaneously)  5,00 EUR 10,00 USD

10.2.2.1.

using postal services within the territory of Latvia free of charge free of charge

10.2.2.2.

at the Bank 

10,00 EUR

15,00 USD

10.2.3.

Urgent issuance of a card2

35,00 EUR

50,00 USD

10.2.4.

Monthly fee for a card/ additional card

10,00 EUR

15,00 USD

10.2.5.

Payment card replacement or renewal before or after the expiration date 

5,00 EUR

10,00 USD

10.2.5.1.

receipt using postal services within the territory of Latvia1  free of charge  free of charge 

10.2.5.2.

receipt at the Bank (a card issuance fee is charged simultaneously) 

10,00 EUR

15,00 USD

10.2.6.

Reviewing a claim3  

free of charge

free of charge

10.2.7.

Interest on the use of the credit limit 

 

 

10.2.7.1.

interest for the authorized credit per annum

24%

24%4

10.2.7.2.

interest for exceeding the authorized credit limit per annum

60%

60%4

10.2.8.

Overdraft arrangement fee

50,00 EUR

are not issued

10.2.9.

Overdraft extension or contract change fee

50,00 EUR

are not issued

10.2.10.

Cash withdrawal

 

 

10.2.10.1.

ATMs in SEPA5 countries 

2% of the amount (min. 3,00 EUR)

2% of the amount (min. 5,00 USD)

10.2.10.2.

Industra Bank POS-terminals in Latvia  

2% of the amount (min. 7,00 EUR)

2% of the amount (min. 10,00 USD)

10.2.10.3.

other bank’s POS-terminals 

2% of the amount (min. 7,00 EUR)

2% of the amount (min. 10,00 USD)

10.2.11.

Checking of an account balance 

 

 

10.2.11.1.

at ATMs in SEPA5 countries

0,25 EUR

0,40 USD

10.2.11.2.

at ATMs outside SEPA5 countries 

0,50 EUR

0,70 USD

10.2.12.

Purchases charge

free of charge

0,25% of the amount

10.2.13.

Daily spending limit

 

 

10.2.13.1.

at merchants / with service providers 

10 000,00 EUR

12 000,00 USD

10.2.13.2.

in ATMs 

3 000,00 EUR

3 500,00 USD

10.2.14.

Administration of the card's daily spending limit6

10,00 EUR

15,00 USD

10.2.15.

Credit transaction fee 

0,15% of the amount (min. 0,10 EUR)

0,15% of the amount (min. 0,15 USD)

10.2.16.

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%

10.2.17.

Other fees related to issuing / sending the card

 

 

10.2.17.1.

fee for changing the card collection location and/or method of receipt

10,00 EUR

15,00 USD

10.2.17.2.

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
10.2.19. Travel insurance (Silver program)  free of charge free of charge
10.2.20. Priority Pass8 one visit per person per calendar year is free of charge, each next 35 EUR one visit per person per calendar year is free of charge, each next 45 USD
10.2.21. Fast Track9 according to the airport price list according to the airport price list

 

10.3. Travel insurance

No. Services Price, EUR

10.3.1.

Standard program

10,00 EUR/per year

10.3.2.

Silver program

20,00 EUR/per year

10.3.3.

Gold program

30,00 EUR/per year

10.3.4.

Platinum program

40,00 EUR/per year

1 The fee covers two consignments within Latvia: the card and PIN code.
2 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.
3 If investigating a complaint requires transaction confirmation documents, a fee based on the actual service cost will apply.
4 Interest is calculated on a negative account balance.
5 SEPA – the Single Euro Payment Area.
6 Changing the limit independently via Internet Bank is free of charge.
7 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.
8 The service provides access to over 1500 VIP airport lounges across more than 143 countries. The service is available from 05.02.2024.
9
The service offers priority access to security checkpoints at airports worldwide, including Riga, Vilnius, and Tallinn, through a user-friendly app. The service is available from 05.02.2024. 

 

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