VISA payment cards for individuals

To order a payment card, you must first become a BluOr Bank client.

If you are not yet a client, fill in the application in the Client Cabinet. After registration and data verification, you will gain access to internet banking.

After logging in to your account in the Internet Bank, you can order the payment card that best suits your needs.

If you choose a Visa Virtual card, no physical card is required. Once the card has been issued, you can add it to Apple Pay or Google Pay and use it to make payments with your phone, as well as for online purchases.

In the event of card loss or theft, please inform the bank immediately. You can block your card in the following ways:

- Via internet banking or the mobile app

- By calling the bank's helpline at +371 67 031 333 (weekdays from 9.00 AM to 6.00 PM)

- Outside the bank's working hours, on weekends, and public holidays, call the Nets Estonia customer service center at +372 671 1444 (service available in English)

- By visiting the bank's Customer Service Center at Jēkaba iela 2, Riga (weekdays from 9.00 AM to 6.00 PM)

After blocking the card, you can order a new one via internet banking or at the bank's Customer service center.

Only the person whose name is printed on the card is authorized to use it.

The cardholder must memorize their PIN code and should not store it on any data carriers or mobile phones.

Always check the amount being charged to your card before approving a transaction.

For online purchases, use only secure online stores or service providers.

If the PIN code is entered incorrectly three times during a transaction, the card will be blocked for security reasons. To unblock the card, visit any ATM and enter the correct PIN code (e.g., by checking your account balance or withdrawing cash).

Each time a card is replaced, renewed, or issued as a new card, a new PIN code is provided.

In the Internet Bank, you can:

• view your PIN code

• block an existing card

• activate your card

• apply for a new card, including a Visa Virtual card

• view card details for online purchases

• add your card to Apple Pay or Google Pay

• set up SMS notifications for card transactions

• view information about card transactions

• dispute card transactions

• apply for a credit limit on your card

• request a card replacement

• view information about your card credit limit and repayments

• manage card limits and card transactions

Cash transaction limits include the following types of transactions:

• cash withdrawals from ATMs

• money transfers made using a card

• purchases of gambling chips using a card

• purchases of travellers’ cheques using a card

• purchases of foreign currency using a card

The standard transaction limits per payment card are:

1. Cash withdrawals from ATMs
• per transaction: EUR 2,500
• per day: EUR 2,500
• per calendar month: EUR 15,000

2. Cash deposits at ATMs
• per calendar month: EUR 15,000

3. Online and point-of-sale purchases
• per transaction: EUR 50,000
• per day: EUR 50,000
• per calendar month: EUR 300,000

Cash withdrawals and cash deposits at ATMs are not available with the Visa Virtual card. The transaction limits applicable to online and point-of-sale purchases also apply to the Visa Virtual card.

Customers can change their card usage limits, including Visa Virtual card limits, in the Internet Bank.

PIN codes for Visa payment cards are available in the internet banking web version and mobile app under the “Cards” section.

It is an additional security tool that ensures the authorised use of your payment card when making online purchases.

Each time you pay for goods or services in an online store, the Verified by VISA security system uses a one-time password — a code generated by Digipass, or the “Password + SMS” authentication password and SMS code. This ensures additional cardholder authentication in online stores worldwide.

When using Verified by VISA, you can continue shopping online as usual. The only difference is that after entering your card details, a Verified by VISA window will appear requesting your Digipass code or “Password + SMS” authentication password and SMS code. Once the required information is entered, your authentication will be confirmed and the purchase will be completed within seconds.

• The merchant does not have access to the data exchange between you and the bank.

• Your payment card is protected with additional security measures.