Pay securely in shops and online
Receive your salary, pension, benefits and other payments into your account, and withdraw cash at ATMs.
Contactless payments — pay for purchases without inserting your card into the POS terminal or entering a PIN.
Choose a VISA payment card today — visit your nearest post office!
How to order a card:
If you don’t have a Postal Settlement System account:
If you already have a Postal Settlement System account:
If you already have an account and a payment card:
Keep track of your transactions and balance!
The app works like a mobile wallet, letting you manage your funds quickly, easily and conveniently. You can also adjust your card limits to suit your everyday needs.
In the “My Cards” section of the mobile app, you can order an additional physical or virtual card.
Add your payment card to Google Pay directly in the app!
Card fees
Standard payment card limits
Maximum payment card limits
| Card fees | |
|---|---|
| Card application/production and delivery | 4.99 EUR |
| Monthly card usage fee | 2.49 EUR |
| Fee for card replacement (if card is lost, stolen or damaged) | 4.99 EUR |
| Fee for issuing a virtual card in the mobile app | 1.00 EUR |
| Fee for sending card/PIN by post within Latvia | Included in the application fee |
| Card and PIN delivery | |
| Fee for resending the PIN code to a mobile phone by SMS | 1.20 EUR |
| Fee for resending the 3D password to a mobile phone by SMS | 1.20 EUR |
| Transaction fees | |
| Cash withdrawal at ATMs in EEA countries | 2% min 0.95 EUR |
| Cash withdrawal at ATMs outside the EEA | 3% min 3.50 EUR |
| Currency conversion markup | 3% |
| Balance enquiry at an ATM | 0.65 EUR |
| Other fees | |
| Fee for processing a claim/document request | 20.00 EUR (for claims on transactions starting from 20.00 EUR) |
| Fee for processing a change request | 1.00 EUR |
| Contactless purchases | Online transactions | Cash transactions | POS purchases | |
|---|---|---|---|---|
| Daily limit | €150 | €500 | €1,000 | €1,000 |
| Monthly limit | €250 | €2,500 | €2,500 | €2,500 |
| Single transaction limit | €50 | €500 | €1,000 | €1,000 |
| Contactless purchases | Online transactions | Cash transactions | POS purchases | |
|---|---|---|---|---|
| Daily limit | €500 | €2,500 | €2,500 | €2,500 |
| Monthly limit | €1,000 | €5,000 | €5,000 | €5,000 |
| Single transaction limit | €50 | €2,500 | €2,500 | €2,500 |
To enhance the protection of customer data against misuse, from 11 September this year, two-factor authentication will be introduced in the Latvijas Pasts Pay mobile app. This means that to use the Latvijas Pasts Pay app in future, you will need to provide both an active email address and a phone number.
After completing these two authentication steps, you’ll be asked to set up your own four-digit access code for future use of the mobile app
If you have any questions or need help, please contact the specialists at the Pasts Customer Centre: 27008003 or info@pasts.lv.
Any citizen of the Republic of Latvia can apply for a payment card — as long as they have a working mobile phone, to which an SMS will be sent with the PIN code and registered 3D password information.
On the self-service site manspasts.lv, you can fill in the required forms and then submit and sign them at any post office that’s convenient for you.
To apply for a payment card, you’ll need a form of identification — either a passport or an ID card.
Payment card creation is a paid service in accordance with the tariffs set by Latvijas Pasts.
The payment card is produced within 10 working days.
You can collect the new payment card at the address specified in the application for card issuance to a private individual.
The payment card is valid for three years from the date of issue. It remains valid up to and including the last day of the month shown on the card (mm/yy).
The fee is calculated for the days the payment card is active, using a set formula.
Example:
If the monthly card fee is €2.49 and the month has 30 days (for example, November), €2.49 is divided by 30, giving a daily rate of €0.083. This is rounded to €0.08 per day.
For cards active for seven days, the fee would be calculated as €0.083 x 7 = €0.581, rounded to €0.58.
One account can have one primary card and up to nine additional cards.
An additional card is a card issued by Latvijas Pasts under the contract, for another person specified in the client’s application for an additional card. The same contract terms apply to the additional card as to the primary card.
The user of the additional card must visit the post office together with the primary payment card holder for in-person identification, to sign the application for the additional card, and to pay the applicable fee as set by Latvijas Pasts.
A virtual payment card is designed for online payments only and exists solely in digital form. The client receives the card number and expiry date, but it is not issued in plastic form. This card can be applied for and received in the Latvijas Pasts Pay mobile app.
A virtual payment card is intended for online payments only, as it exists purely in digital form. The client receives the card number and expiry date, but it is not issued in plastic form. This card can be applied for and received via the Latvijas Pasts Pay mobile app.
You must activate the payment card within three months of receiving it.
You can activate your payment card at any post office by completing the confirmation of receipt, or in the Latvijas Pasts Pay mobile app under the “My Cards” menu.
You can activate the payment card at the post office by completing the confirmation of receipt and presenting proof of identity.
The expected activation time is 24 hours, excluding Saturdays, Sundays and public holidays. Once the card is activated, the client will receive an SMS with the PIN code.
In the “My Cards” section of the Latvijas Pasts Pay mobile app, an “Activate” button will appear next to the card. Pressing this button activates the card and displays the card’s PIN code. The PIN code is also sent via SMS to the phone number provided in the application for card issuance to a private individual.
If you use the Latvijas Pasts Pay mobile app, after card activation go to
“My Cards” -> PIN -> “Remind PIN”
When you press this, the PIN code will appear on the screen for five seconds.
If the card is activated at a post office, you will receive an SMS with the PIN code within 24 hours.
You can view the PIN code in the Latvijas Pasts Pay mobile app under
“My Cards” -> PIN -> “Remind PIN”.
Alternatively, visit any post office and fill in a change request form, selecting the service: resend PIN code. This service is subject to a fee according to Latvijas Pasts tariffs.
The PIN code for a renewed payment card remains the same as before. If you want to change it, you can do so in the “My Cards” section of the Latvijas Pasts Pay mobile app. Select
“Change or remind PIN” -> “Change PIN”
and create a new PIN code. To activate the new PIN, insert the card in an ATM and perform any action using the new PIN (e.g. check balance or withdraw cash).
If the PIN code is entered incorrectly three times, the payment card will be blocked. If the card chip is blocked due to incorrect PIN entries, the cardholder can still use the card for online purchases and contactless payments. The payment card can be unblocked by entering the correct PIN code at an ATM or by ordering a new card with a new PIN code.
You can block or freeze your payment card in the Latvijas Pasts Pay mobile app, by calling the Latvijas Pasts Customer Centre, or by visiting any post office and completing a card change request.
In such cases, please contact the Customer Centre or visit your nearest post office to have card operations disabled.
If the payment cardholder’s name has changed, visit any post office with proof of identity and complete a card change request. A new payment card will be produced based on this request.
If the payment card is damaged and can no longer be used for payments, visit any post office to request a new card.
You can also order a new card in the Latvijas Pasts Pay mobile app under “My Cards” by tapping “+” in the top right corner and deactivating the damaged card.
The fee for replacing a payment card is the same as the fee for producing a new card.
If you suspect fraud with your payment card, you must immediately block or freeze it by calling the Latvijas Pasts Customer Centre, using the Latvijas Pasts Pay mobile app, or visiting any post office to complete a change request and order a new card.
You can cancel your payment card in the Latvijas Pasts Pay mobile app.
You can also cancel your card in person at any post office by completing a card change request.
When your payment card expires, Latvijas Pasts will automatically produce a new card unless you have declined it in writing or via the Latvijas Pasts Pay mobile app at least 45 days before the expiry date.
The payment card security code is a three-digit number found on the back of the card, labelled Security code. It’s used when making online purchases.
You can use your payment card for online purchases if it is registered for secure online transactions (Visa Secure).
Online purchases are safe because they support the 3-D Secure system created by VISA to verify the buyer’s identity when shopping online.
You can sign up for online purchases using the Latvijas Pasts Pay mobile app or by visiting any post office and completing a card change request form.
Yes, you can use the payment card to pay in shops.
You can withdraw cash from any ATM, but deposits are not possible.
If the account is blocked, you cannot withdraw money until it is unblocked.
A commission fee applies to ATM withdrawals according to Latvijas Pasts tariffs.
A commission fee applies to cash withdrawals with the payment card in the following EEA countries:
Austria (AUT), Belgium (BEL), Bulgaria (BGR), Denmark (DNK), France (FRA), Greece (GRC), Croatia (HRV), Estonia (EST), Iceland (ISL), Italy (ITA), Ireland (IRL), Cyprus (CYP), Latvia (LVA), Liechtenstein (LIE), Lithuania (LTU), Luxembourg (LUX), Malta (MLT), Netherlands (NLD), Norway (NOR), Poland (POL), Portugal (PRT), Romania (ROU), Slovakia (SVK), Slovenia (SVN), Finland (FIN), Spain (ESP), Hungary (HUN), Germany (DEU), Sweden (SWE), Switzerland (CHE), United Kingdom (GBR).
Additional fees may be charged for cash withdrawals with the payment card in countries outside the EEA.
Latvijas Pasts is not responsible for any commission fees charged by third-party financial service providers: before using ATMs outside the EEA, please check the terms of the specific service provider.
You can find out your payment card limits:
You can manage payment card transactions in the Latvijas Pasts Pay mobile app under “My Cards” -> “Change limits”, where you can activate or deactivate transactions.
You can see your account balance by requesting a statement at any post office, in the Latvijas Pasts Pay mobile app, or at any ATM (according to the service fee set by Latvijas Pasts).
You can view your account statement for a specific period in the Latvijas Pasts Pay mobile app or by requesting it at any post office.
For any incorrect payment or error, visit any post office and fill in a Cardholder Claim form, stating the reason for the claim and attaching all supporting documents (for example, copies of invoices, etc.)
The claim processing period is 30 days.
You can download the Latvijas Pasts Pay mobile app from the App Store or Google Play (Play Market).
You can apply for a virtual payment card in the Latvijas Pasts Pay mobile app by selecting the “My Cards” section and tapping “+” to apply for a payment card. You’ll then be offered a choice of card type: debit card or virtual card. Once you’ve chosen, select “Get card”.
