Payments - safe
and convenient

All you need to make a transfer is a phone number. Of course, you can also make payments as usual - with a bank account number.

Join

With INDEXO you can
pay to ..

all Latvian banks
all European Union countries
EEA and Switzerland
View the countries to which payments can be made

Local or
international -
here both are easy

Without any switching and complex forms of payment – the app itself will understand whether the payment is local or international.

Free transfers
to European countries

Transfers between INDEXO Bank accounts are always free
INDEXO
Another bank
Plan "Zelts"
€0,00
Plan "Sudrabs"
5x per month free, next €0.20
Compare bank plans

Easy money requests

From INDEXO to INDEXO

Send and receive money using a phone number in the INDEXO Bank mobile app.

INDEXO Bank plans

Paid plans come with one or more INDEXO cards

Sudrabs

Coming soon
Smart savings for everyday and retirement
no card
A checking account that earns
5 money transfers outside INDEXO for free
INDEXO 3rd pension pillar management
2 savings vaults
Term deposits, consumer loans
0 €/mon.
Join

Zelts

Coming soon
Upgrade your everyday banking
1 card
All possibilities of the Sudrabs plan
+
ALL money transfers are free
Purchase insurance
5 savings vaults
Cash withdrawals worldwide 3x per month for free
2,99 €/mon.
Join

Platīns

Coming soon
For an active lifestyle with high demands
1+ cards
All possibilities of the plan Zelts
+
Accident insurance
Event ticket insurance
10 savings vaults
Cash withdrawals worldwide 5x per month for free
More benefits to be announced soon!
5,99 €/ mon.*
*content and price of the Platīns plan may change
Sign up for news
Detailed plan comparison

Questions and answers

Are there limits on payments?

Yes, for your safety there is a limit on payments and it’s equal to a daily spending limit. You can increase your daily limit in the INDEXO Bank application up to €5 000 without coordination with us. This is done as follows:

If a larger limit than €5 000 is needed, a request must be submitted to us. We will process it as fast as possible, usually it can take X hours.

How quickly are payments processed?

If the transfer is between INDEXO Bank recipients, it usually processes within a few seconds.

Instant transfers are processed within a few seconds if the recipient’s bank accepts instant transfers.

Standard transfers are processed on the next business day, depending on when the recipient’s bank and the Central Bank approve the payment.

Are payments to a phone number safe?

Yes, as secure as any other payment.

Can anyone from any bank receive a money request from me?  

Yes, the request for money from INDEXO Bank will work for customers of all banks in Latvia. INDEXO Bank users will receive a notification with a payment request (if the notifications are turned on), others – where you send it to them.

How to make a payment if I only know the recipient's phone number? 

To make a payment in the INDEXO Bank app, open the “Send, Request” section then click on “Send money”, and choose the “Link” option from the existing contacts –  there you can select various options to send the request.

All questions

Download and try it

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Register
Use

Choose which
product to join

INDEXO
Bank

A money manager that
works in your best interest
Join

INDEXO
2nd pension pillar

6% of your salary is already being saved in 2nd pension pillar. Invest it more effectively with INDEXO.
Join

INDEXO
3rd pension pillar

Make contributions to 3rd pension pillar and save using automated investment system.
Join

Choose the best
plan for your age

INDEXO Jauda

16-55
Best for 16-55
year olds!
Volatile, with high profit potential
Join
Documents and conditions

INDEXO Izaugsme

55-62
Best for 55-62
years olds!
Moderately volatile, with moderately high profit potential
Join
Documents and conditions

INDEXO Konservatīvais

62+
Best for 62+!
Stability in the years before retirement
Join
Documents and conditions

Forwarding to Latvija.lv
is in progress

1

Authorize on the Latvija.lv portal using one of the available methods.

2

Submit e-application for selection or change the investment plan of 2nd pension pillar

3

Choose an investment plan best for your age
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Countries to which
EUR payments can be made

Austria
Belgium
Bulgaria
Czech Republic
Denmark
France
Greece
Croatia
Estonia
Ireland
Iceland
Italy
Cyprus
Latvia
Lithuania
Liechtenstein
Luxembourg
Malta
The Netherlands
Norway
Poland
Portugal
Romania
Slovakia
Slovenia
Finland
Spain
Hungary
Germany
Sweden
ALSO
Andorra
United Kingdom
Monaco
San Marino
Switzerland
Vatican City State
Territories outside the EEA
Jersey
Guernsey
Isle of Man
Saint-Pierre and Miquelon

To use INDEXO Bank, download the app.

1
Download
the app
2
Register
3
Use
INDEXO Bank