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 67031333 (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 6711444 (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 internet bank, you can:

- View your PIN code

- Block an existing card

- Activate a card

- Apply for a new card

- Set up SMS notifications for card transactions

- Access information about card transactions

- Dispute card transactions

- Apply for a credit limit on the card

- Request card replacement

- View information about the card's credit limit and its repayment

- Manage card limits and card transactions

Cash withdrawal limits:

• Per transaction: 2,500 EUR

• Per day: 2,500 EUR

• Per month: 15,000 EUR

Purchases online and at points of sale:

• Per transaction: 50,000 EUR

• Per day: 50,000 EUR

• Per month: 300,000 EUR

Card usage limits can be adjusted via internet banking.

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

Starting in January 2025, a new card will be sent to you, and the bank will simultaneously open a new card account linked to your new Visa card. Clients do not need to open a new card account or apply separately for the Visa card.

If a client has issued multiple supplementary cards, all active Mastercard supplementary cards will be replaced with Visa cards and sent to the customer's authorised person at the address provided by the customer in internetbank.

If the account linked to the Mastercard card was used for incoming payments from government and municipal institutions or suppliers, we kindly ask you to inform them about opening a new account or provide details of another account you will use for such payments in the future.

Since the account associated with the Mastercard card will be closed after the card is terminated, incoming payments to that account will be returned to the sender.

Clients who had registered regular payments using the account linked to the Mastercard card should update their payment details.

If the Mastercard card is linked to recurring card payments for online subscriptions, they should be re-registered with the new Visa card details by February 28, 2025, inclusive.