To make payment processes more efficient, BluOr Bank has decided to switch to the Visa payment system, which is why the bank's payment card offering will change. Starting from January 2025, all existing BluOr Bank Mastercard holders will have their cards automatically replaced with Visa cards.

Existing clients do not need to order a new Visa card. Starting from January 2025, new Visa cards will automatically be issued and gradually sent to the address you have provided in the online banking system.

The new Visa card will be subject to the same terms and price list as your current Mastercard.

Initially, Visa payment cards will not support cash deposits or PIN code changes at BluOr Bank ATMs. BluOr Bank will inform clients separately when these services become available. Cash deposits can be made at the BluOr Bank Customer Service Center, Jēkaba Street 2, Riga.

All Visa payment cards will have new standard usage limits, even if individual limits were set for Mastercard cards:

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.

For all existing BluOr Bank clients, the new Visa card will be issued free of charge.

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.

Before use, the Visa card must be activated in the online banking system or the bank's mobile application.

The PIN code for Visa cards will be available in the online banking system or the mobile application under the card section.

Clients can use the new Visa cards for purchases in stores and online, as well as for cash withdrawals at BluOr Bank and other banks' ATMs.

In the initial period, Visa cards will temporarily not support cash deposits or PIN code changes at BluOr Bank ATMs. BluOr Bank will provide updates on the availability of these services. Clients can deposit cash at the BluOr Bank Customer Service Center's cashier.

Your new Visa payment card may not be accepted at certain merchants because some merchants have not yet updated their data in the international card system - Visa (International Card Scheme – Visa). As a result, the new card may not be recognized. Merchants and card transaction processing centers update their data gradually according to their own schedules.

If your new card was not accepted or a card transaction was declined, please contact BluOr Bank:

• call the bank's information line at +371 67031333 (on business days from 9.00 AM to 6.00 PM) or

• send a message to the bank's email address: [email protected]

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.

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)

- If you have a Mastercard, call the Worldline Latvia customer service center at +371 67092555 (outside the bank's working hours, on weekends, and public holidays)

- If you have a Visa card, 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.