Payments – safe and convenient

Send money instantly using a phone number or a standard IBAN

With INDEXO, pay to ..

all Latvian banks
all European Union countries
EEA and Switzerland

Local or international –
both are easy

No switching or complicated payment forms –
the app will figure out whether the payment is local or international.

Free transfers
to European countries

Transfers between INDEXO Bank accounts are always free.
Transfers to other banks:
Plan Zelts
€0.0
Plan Sudrabs
5x/mo free, thereafter
€0.20
Compare bank plans

Recurring payments for easier everyday life

Bills, gym, or pension pillar 3 contributions – set the payment date and amount, we will take care of the rest.

Quick money requests

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

INDEXO Bank plans

For everyday purchases and savings
Sudrabs
Zelts

Sudrabs

Not sure where to start?
0 €/ mon

Zelts

Looking for a full-service everyday bank?
2,99 €/mon
0 €/mon
Ages 18–31 or receiving your income through INDEXO
Sudrabs
0 €/ mon
Zelts
0 €
2,99 €/ mon
Ages 18–31 or receiving your income through INDEXO
Plan comparison
Free transfers to other banks
5
Free cash withdrawals worldwide
3x mēn.
Purchase protection
Savings vaults
2
5
Term deposits, loans and pensions
Comparison of plans

Discover INDEXO Bank for free

App StoreGoogle Play
Lejupielādēt aplikāciju

Questions and answers

Yes, for your financial security, payments have a standard limit of up to €2,500 per day. If you plan to make a larger purchase, we recommend evaluating the need to increase the limit in advance, as the review may take up to 1 business day. Please note that limit increases are not processed on weekends and public holidays.

You can view and change your current limit in the “Limits” section:

1. Tap on your profile or name initials in the upper left corner
2. Tap “Limits”
3. Tap “Spending limit” and choose your preferred limit

Yes, just as safe as any other payment.

If the transfer is between INDEXO Bank clients, the payment is usually processed within a few seconds.

Payments to other banks are also processed within a few seconds if the recipient’s bank accepts instant payments. Standard payments are processed on the next business day. It depends on when the payment is confirmed by the recipient’s bank and the Central Bank.

To make a payment in the INDEXO Bank app, open the “Send, Request” section, tap “Send money”, and choose one of the existing contacts or tap “Create new payment” and “Phone number payment” – in both cases a payment window will open where you can enter the desired amount.

You make an online payment the same way as with any other bank card. For your convenience, we have prepared instructions that you can view here.

Choose which
product to join

INDEXO
Bank

A money manager that
works in your best interest
Join

INDEXO
2nd pension pillar

5% 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

Jauns cilvēks ar cirtainiem matiem melnā cepurē un pelēkā kreklā smaida kamerai uz vienkārša fona.

INDEXO Jauda

16-55
Best for 16-55
year olds!
Volatile, with high profit potential
Join
Documents and conditions
Sieviete ar gariem blondiem matiem un tumšu lūpu krāsu skatās kamerā uz gaiša fona.

INDEXO Izaugsme

55-62
Best for 55-62
years olds!
Moderately volatile, with moderately high profit potential
Join
Documents and conditions
Vīrietis ar īsiem brūniem matiem un brillēm, tērpies uzvalka žaketē, stāv spilgti apgaismotā telpā.

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
Skip instructions - switch to Latvija.lv
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To use INDEXO Bank, download the app.

QR code, which when scanned, takes you to the Apple App Store or Google Play store, where you can download the INDEXO Bank application
1
Download
the app
2
Register
3
Use
INDEXO Bank

QR code, which when scanned, takes you to the Apple App Store or Google Play store, where you can download the INDEXO Bank application

To use INDEXO Bank, download the app.

QR code, which when scanned, takes you to the Apple App Store or Google Play store, where you can download the INDEXO Bank application
1
Download
the app
2
Register
3
Use
INDEXO Bank
Payments
Get an offer yourself
In the INDEXO Bank app in just 5 minutes
Continue in the app
or
Have questions?
Leave your number and we'll call you.
By submitting your phone number, you agree that INDEXO may contact you to provide a home equity loan consultation. For more information about how we process personal data, please see our Privacy Policy. You have the right to withdraw your consent at any time by writing to [email protected].
Get an offer yourself
In the INDEXO Bank app in just 5 minutes
Continue in the app
or
Have questions?
Leave your number and we'll call you.
By submitting your phone number, you agree that INDEXO may contact you to provide a home equity loan consultation. For more information about how we process personal data, please see our Privacy Policy. You have the right to withdraw your consent at any time by writing to [email protected].
Get an offer yourself
In the INDEXO Bank app in just 5 minutes
Continue in the app
or
Have questions?
Leave your number and we'll call you.
By submitting your phone number, you agree that INDEXO may contact you to provide a home equity loan consultation. For more information about how we process personal data, please see our Privacy Policy. You have the right to withdraw your consent at any time by writing to [email protected].
Get an offer yourself
In the INDEXO Bank app in just 5 minutes
Continue in the app
or
Have questions?
Leave your number and we'll call you.
By submitting your phone number, you agree that INDEXO may contact you to provide a home equity loan consultation. For more information about how we process personal data, please see our Privacy Policy. You have the right to withdraw your consent at any time by writing to [email protected].
Deposit term and interest rate
We use compound interest.
Interest is compounded monthly, so the effective annual interest rate is higher than the nominal interest rate and can be compared with offers from other banks.
Annual interest rate (nominal)
3 months
3.596855%
6 months
3.777000%
1 year
4.070848%
2 years
4.080966%
3 years
4.088410%
5 years
4.014693%
Get an offer yourself
In just 5 minutes on the INDEXO Bank app
Continue in the app
or
Do you have any questions?
Leave your number, and we'll call you.
By providing your phone number, you agree that INDEXO may contact you to provide consumer credit advice. For more information on the processing of personal data, please read our Privacy Policy. You have the right to withdraw your consent at any time by emailing [email protected].

Choose which
product to join

INDEXO
Bank

A money manager that
works in your best interest
Join

INDEXO
2nd pension pillar

5% 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