Accessibility Statement

Accessibility Statement

Accessibility Statement

We are committed to make everyday banking easy and available anytime and anywhere for all our customers. Following international and national laws on accessibility, we continuously strive to make our services accessible.

Accessibility across services and channels

We continuously review the terms and conditions and other documentation of our services to ensure that the information provided is clear, concise and easy to understand. You can now read our updated General Business Terms in plain language.

Our Luminor Black payment cards feature a cut‑out, which is designed to assist individuals with visual impairments. It helps to orientate a payment card by touch. These cuts can prevent using the wrong card and enable independent and confident use at ATMs, payment terminals and elsewhere.

All our customer service units are easily accessible for persons with disabilities. Nevertheless, if you feel that you need extra support or advice, feel free to approach our employees directly.

At Luminor, we are working towards accessible digital services, using Web Content Accessibility Guidelines 2.1 (WCAG 2.1). Currently, some Luminor digital channels are still being updated to comply with this standard.

Digital channels accessibility status

We have evaluated the accessibility of our most critical services. There are still some gaps that we are striving to close. We are committed to remediating shortcomings on our website, in internet bank and mobile bank by December 2025 and continuously afterwards. This status report will be updated quarterly.

Keyboard‑only navigation
Our website is ready for users to navigate using the keyboard only.

Zooming in and out
Zooming in and out is available on our website. Zoom is used to enlarge the text and images on web pages. In most browsers, ‘Ctrl’ or ‘Cmd’ with ‘+’ will increase zoom. ‘Ctrl’ or ‘Cmd’ with ‘-’ will reduce zoom and ‘Ctrl’ or ‘Cmd’ with ‘0’ will reset it.

Not fully accessible content

We are continuously improving our digital channels to make them as accessible as possible. Below is a list of content and/or functions that we are currently working on.

Keyboard navigation
Some parts of our internet bank and mobile bank may not be fully navigable by keyboard alone. These gaps are currently being addressed and they will be closed in Latvia and Lithuania by September 2025 and in Estonia by November 2025.

Using a screen reader
Screen readers, which help to convert text to speech for visually impaired users, may fail to read some information in our digital channels. We are working on resolving these gaps. They will be closed by September 2025.

For better user experience, we advise you to use the following screen readers:
- NVDA (Windows, free)
- Talkback (Android devices)
- Voiceover (iOs devices)

Interactive object descriptions
Some items do not have a text‑based description that assistive technology could communicate to users. This is an issue especially on pages with charts and functions displaying data.

Contrast in text and graphics
Some types of text content, graphs, charts or interactive elements may have too‑low contrast to stand out from the background.

Zooming in and out
In some parts of our internet bank or mobile bank, zooming in and out may not work to resize the text.

Use of color
For some content, such as charts and forms, color is used as the only way to convey information.

Text alternatives for images
In some cases, complex images like tables and diagrams do not present information in an accessible way.

Heading structures and labels
Screen readers might have errors understanding the visual heading hierarchy. Sometimes the visual hierarchy and the semantic hierarchy diverge.

Video content
Some previously produced video content might lack subtitles, and in some cases, also audio descriptions. New content is produced in an accessible way.

Accessibility feedback  

We are continuously working to make our customer service channels as accessible as possible. It’s an ongoing effort, and we are happy to improve. If you notice any shortcomings while using our services, in our digital channels, or in our accessibility statement, please give us feedback.

You can contact us by:
- calling +370 5 239 3444
- sending an email to [email protected]
- using our online chat

Luminor reviewed this statement on 25th June 2025.