Account management
| Product name in price list | Fee price and name currently | Fee price and name starting from 2022 11 01 | Type of change |
|---|---|---|---|
| Account maintenance | €30 Additional maintaining the account monthly fee for: - the application of enhanced due diligence measures (5) (6) (5) The fee is applied to customers whose field of activity includes: Organization and running of lotteries and gambling Business related to ferrous, non‑ferrous or precious metals, gems, jewellery Trade in arms and ammunition Virtual currency trading / activities related to virtual currencies Electronic money institution / activities related to electronic money Payment institution / provision of payment services Financial services and currency exchange / financial mediation (6) Monthly fee may also be applied for customers carrying out activities other than listed under footnote (5). Bank informs such customers individually about the applicable monthly fee 30 calendar days in advance. |
New fee |
Payment cards
| Product name in price list | Fee price and name currently | Fee price and name starting from 2022 11 01 | Type of change |
|---|---|---|---|
| Cash withdrawal and deposit Visa Business Debit |
0.5%, min. €1 Cash withdrawal at Luminor ATMs in Baltic countries and Medus ATMs in Lithuania |
1%, min. €1 Cash withdrawal at Luminor ATMs in Baltic countries and Medus ATMs in Lithuania |
Fee price changed |
| 0.5%, min. €1 Cash withdrawal within the network of the bank's partners (1) via POS (1) In PERLAS terminals based on the list of places provided in the website here. The service is provided by UAB "Perlas Finance". |
1%, min. €1 Cash withdrawal within the network of the bank's partners (1) via POS (1) In PERLAS terminals based on the list of places provided on the website here. The service is provided by UAB "Perlas Finance". |
Fee price changed | |
| Cash withdrawal and deposit Visa Business Debit Visa Business |
0.06% Cash depositing at Luminor and Medus ATMs |
0.1% Cash depositing at Luminor and Medus ATMs |
Fee price changed |
| Card Issuance / renewal Priority Pass |
€6 Card sending by mail abroad |
€10 Card sending by mail abroad |
Fee price changed |
Loans
| Product name in price list | Fee price and name currently | Fee price and name starting from 2022 11 01 | Type of change |
|---|---|---|---|
| All loan products | 1% of the loan amount, min. €250 (Agreement is signed electronically and application was sent using e‑channels: 1% of the loan amount, min. €150) Agreement fee |
1% of the loan amount, min. €150 Agreement fee |
Fee price changed |
| 1% of the loan amount, min. €250 (Agreement is signed electronically and application was sent using e‑channels: 1% of the loan amount, min. €150) Agreement amendment fee |
1% of the loan amount, min. €150 Agreement amendment fee |
Fee price changed | |
| €75 Rescheduling in cases of early repayment (by shortening the final maturity and reducing loan repayment amounts) (1) (1) The fee applies if the agreement entered into between the borrower and the bank provides that subject to repayment of a portion of the drawn credit before the due dates stated in the agreement, the repayable credit portions due on the next nearest date(s) decrease accordingly. |
Fee removed from the price list |
Leasing
| Product name in price list | Fee price and name currently | Fee price and name starting from 2022 11 01 | Type of change |
|---|---|---|---|
| Leasing fees | 0.5% from the outstanding amount on the request date, at least €150 (+ VAT, in case of Operating Lease) Termination of the financial lease agreement in case the end of the lease term is up to 3 months |
0.5% from the outstanding amount on the request date, at least €150 Termination of the financial lease agreement in case the end of the lease term is up to 3 months |
Corrections in the fee, regarding VAT were made; Fee did not change |
| Under the agreement In case of covering part of the property value |
1.5% from the repaid (paid) amount, at least €150 (+VAT in case of Operating lease) Fee for termination of the agreement before maturity or in case the financed amount is partially repaid before maturity |
Two fees merged to one and included in the pricing instead og agreement; Fee amount did not change | |
| Under the agreement Fee for early repurchase of the property |
|||
| 1.5% from the repaid (paid) amount, at least €75 (+VAT in case of Operating lease) (2) Additional fee for termination of the agreement before maturity or in case the financed amount is partially repaid before maturity for the agreements with fixed interest rate (2) Additional fee is applied for the agreements with fixed interest rate in addition to the fee applicable for cases when the financed amount is partially repaid before maturity or termination before maturity or termination of the financial lease agreement in case of the end of lease term is up to 3 months. |
New fee | ||
| 1.5% from the outstanding amount, at least €75 (+VAT in case of Operating lease) (3) Additional fee for change of applied fixed interest rate type to the variable interest rate type or to another fixed interest rate (refixing) (3) Additional fee for changes of fixed rate is applied in addition to the fee for change or renewal of agreement or appendices. |
New fee |
Digital channels
| Product name in price list | Fee price and name currently | Fee price and name starting from 2022 11 01 | Type of change |
|---|---|---|---|
| Internet bank | €15 Code calculator Digipass 260 issuance or replacement (1) (1) A code calculator can be unlocked three times. If the calculator is blocked for the fourth time, it can no longer be unlocked. To use the calculator again, you will need to purchase a new one for the price shown in the price list. |
€15 Code calculator Digipass 260 issuance or replacement (1) (2) (1) A code calculator can be unlocked three times. If the calculator is blocked for the fourth time, it can no longer be unlocked. To use the calculator again, you will need to purchase a new one for the price shown in the price list. (2) A code calculator is linked to a private person’s Internet bank login code. |
Footnote added |
| €5 Change of accounts and access rights management settings (account manager changes, payment limits, new additional account manager setup) made by Luminor employee (per account manager) |
New fee | ||
| Free Change of accounts and access rights management settings (account manager changes, payment limits, new additional account manager setup) made in Internet bank (per account manager) |
New information on the price list |
Investment services
Investments section in the price list is restructured to make it more clear according to products we offer incl. adjusting fee names.
| Product name in price list | Fee price and name currently | Fee price and name starting from 2022 11 01 | Type of change |
|---|---|---|---|
| Financial Instrument account Securities trading |
0.5% of the amount min. €50 / USD 65 Shares and ETF trading commissions: Purchasing and selling foreign shares/ETF in internet bank |
0.5% of Trade amount (min. €50) Shares and ETF trading commissions: Purchasing and selling foreign shares/ETF in internet bank or by phone |
Fee name adjusted |
| Financial Instrument account Securities trading |
Up to 2% of the price, min. €50 Debt securities trading commissions: Investing in debt securities via Luminor internet bank |
Up to 2% of the price, min. €50 Debt securities trading commissions: Investing in debt securities via Luminor internet bank or by phone |
Fee name adjusted |
| Financial Instrument account Securities trading |
0.2% from Sale price Debt securities trading commissions: Selling of index linked bonds in secondary market |
0.2% from Sale price Debt securities trading commissions: Selling of index linked bonds in secondary market (2) (2) Sell order may be subject to the third‑party commissions, which will be included in the price of securities. |
Footnote added |
| Financial Instrument account Securities trading |
1% of Trade amount (min. €15 / USD 20) Mutual funds trading commissions (1): Investing in mutual funds via Luminor internet bank (1) Luminor Bank AS Lithuanian Branch receives inducements (commission) from investments fund managers for the distribution of investment fund units to the clients. The rates of commission received differ by investment fund. For further information on the inducements received and paid by Luminor Bank AS please refer to the document „General Information on Inducements“ available on the website of the Bank. |
1% of Trade amount (min. €15) Mutual funds trading commissions: Investing in mutual funds via Luminor internet bank or by phone |
Fee name adjusted |
| Financial Instrument account Securities trading |
1% of Trade amount (min. €1 / 1.30 USD) Mutual funds trading commissions (1): Investing in Nordea mutual funds via Luminor internet bank (1) Luminor Bank AS Lithuanian Branch receives inducements (commission) from investments fund managers for the distribution of investment fund units to the clients. The rates of commission received differ by investment fund. For further information on the inducements received and paid by Luminor Bank AS please refer to the document „General Information on Inducements“ available on the website of the Bank. |
1% of Trade amount (min. €1) Mutual funds trading commissions: Investing in Nordea mutual funds via Luminor internet bank or by phone |
Fee name adjusted |
| Financial Instrument account Securities transfers |
€30 Delivery‑versus‑payment transfer: When transaction is made with other persons on securities registered in other countries |
€30 Delivery‑versus‑payment transfer: When transaction is made with other persons on securities registered in countries other than the Baltics states |
Fee name adjusted |
| Financial Instrument account Other securities related services |
If the Bank is obliged to pay any taxes, fees, interest, penalties or incur other costs that are not covered in the Bank’s Price List and are related to the provision of securities safekeeping, execution and any other relevant service to the Client, and which are not caused by the Bank's gross negligence or wilful misconduct, the Bank shall have the right to debit such amounts from the Client’s Current Account without prior Client’s consent. | New footnote added | |
| Luminor Investor platform Securities Trading |
0.1% of Trade amount BlackRock ESG multiasset ETFs: 1) BlackRock ESG Multi‑Asset Conservative Portfolio UCITS ETF (ISIN: IE00BLP53M98) 2) BlackRock ESG Multi‑Asset Moderate Portfolio UCITS ETF (ISIN: IE00BLLZQS08 ) 3) BlackRock ESG Multi‑Asset Growth Portfolio UCITS ETF (ISIN: IE00BLLZQ805) |
New fee | |
| Luminor Investor platform Securities Transfers |
10 USD per ISIN Fee for security transfer on the basis of inheritance or gift, exchange, sale‑purchase in Luminor Investor platform |
New fee | |
| Luminor Investor platform Other Luminor Investor platform related services |
8% per annum (2) Interest for negative cash account balance in Luminor Investor platform (2) Interest on the negative Luminor Investor cash account balance is calculated at the rate of the current interbank ask rate, plus fixed additional interest rate of 8%. Interest is deducted at the beginning of the month for the days of the previous month when account had a negative cash balance. |
Fee removed from the price list | |
| Discretionary portfolio management Securities Transfers to/from Discretionary portfolio management account |
Free Financial instruments transfer from other credit institution/broker to Discretionary portfolio management account |
New information on the price list | |
| Discretionary portfolio management Securities Transfers to/from Discretionary portfolio management account |
€30 per ISIN Financial instruments transfer from Discretionary portfolio management account to other credit institution/ broker |
New fee |
Trade Finance
| Product name in price list | Fee price and name currently | Fee price and name starting from 2022 11 01 | Type of change |
|---|---|---|---|
| Letters of credit Import letters of credit |
€100 Letter of credit issuance (1) (1) If a letter of credit issued is not fully secured by cash cover, interest for the Bank's commitment is calculated additionally. The Bank does not pay any interest for funds reserved as cash cover. For issuance of standby letter of credit or increase of it's amount is applied guarantee issuance fee. |
€100 Letter of credit issuance (1) (1) If a letter of credit issued is not fully secured by cash cover, interest indicated in the agreement is calculated additionally. The Bank does not pay any interest for funds reserved as cash cover. The same fees and interest apply for the issuance or amendment of standby letter of credit as for the issuance or amendment of a guarantee. |
Footnote adjusted |
| €35 Letter of credit amendment |
€50 Letter of credit amendment |
Fee price changed | |
| 0.18% of the amount, min. €70 Checking of documents (for each set of documents) (2) (2) If Luminor Bank AS Lithuanian branch is both the issuing and advising bank for the same letter of credit, and documents are submitted directly to Luminor Bank AS Lithuanian branch, the checking of documentd fee is 0.09%, min. €35. |
0.18% of the amount, min. €80 Checking of documents (for each set of documents) (2) (2) If Luminor Bank AS Lithuanian branch is both the issuing and advising bank for the same letter of credit, and documents are submitted directly to Luminor Bank AS Lithuanian branch, the checking of documents fee is 0.09%, min. €40. |
Fee price changed | |
| €30 Letter of credit non‑utilization (not applicable to standby letter of credit) |
€35 Letter of credit non‑utilization (not applicable to standby letter of credit) |
Fee price changed | |
| €100 Documents discrepancy fee (paid by beneficiary of the letter of credit) |
€125 Documents discrepancy fee (paid by beneficiary of the letter of credit) |
Fee price changed | |
| €25 Advice of discrepancy by SWIFT (paid by beneficiary of the letter of credit) |
Fee removed from the price list | ||
| Letters of credit Export letters of credit |
€40 Advice of letter of credit |
€50 Advice of letter of credit |
Fee price changed |
| €30 Advice of letter of credit amendment |
€35 Advice of letter of credit amendment |
Fee price changed | |
| 0.18% of the amount, min. €70 Handling/Checking of documents (for each set of documents) (1) (1) If Luminor Bank AS Lithuanian Branch is both the issuing and advising bank for the same letter of credit, and documents are submitted directly to Luminor Bank AS Lithuanian Branch, the handling/checking of documents fee is 0.09%, min. €35. |
0.18% of the amount, min. €80 Handling/Checking of documents (for each set of documents) (1) (1) If Luminor Bank AS Lithuanian Branch is both the issuing and advising bank for the same letter of credit, and documents are submitted directly to Luminor Bank AS Lithuanian Branch, the handling/checking of documents fee is 0.09%, min. €40. |
Fee price changed | |
| €45 Pre‑checking of documents (for each set of documents) |
€50 Pre‑checking of documents (for each set of documents) |
Fee price changed | |
| €20 Reimbursement claim |
€25 Reimbursement claim |
Fee price changed | |
| 0.1%, min. €35 Assignment of proceeds |
0.1%, min. €100 Assignment of proceeds |
Fee price changed | |
| Documentary collection | |||
| €25 Amendment of collection instructions |
€30 Amendment of collection instructions |
Fee price changed | |
| 0.15% of the amount, min. €40, max. €220 Payment or collection of documents |
0.15% of the amount, min. €60, max. €250 Payment or collection of documents |
Fee price changed | |
| 0.15% of the amount, min. €40, max. €220 Release or return of unpaid documents |
0.15% of the amount, min. €60, max. €250 Release or return of unpaid documents |
Fee price changed | |
| Guarantees | |||
| 0.5% of the amount, min. €100 Guarantee issuance, increase of its amount (1) - if secured by cash cover (2)/term deposit pledge (1) In case of increase of guarantee amount, the fee is calculated on the amount by which that guarantee is increased. No fee for amendment to the guarantee is charged additionally. In certain cases (for issue of a guarantee in non-standard wording or other language and the like) a higher fee may be charged on the agreed basis. (2) The Bank does not pay any interest for funds reserved as cash cover. |
If the guarantee term (3) is up to 1 year – 0.5% of the guarantee amount (min €100) (4) If the guarantee term (3) is 1 year and longer – €100 and 0.5% annual interest (5) on the guarantee amount (6) Guarantee issuance, increase of its amount (1) - if secured by cash cover (2)/term deposit pledge (1) In certain cases (for issue of guarantee in non‑standard wording or other language and the like) a higher fee may be charged on the agreed basis. (2) The Bank does not pay any interest on funds reserved as cash cover. (3) Guarantee term is calculated from guarantee issuance date until guarantee expiry date, including all guarantee term prolongations. (4) In case of increase of guarantee amount, the fee is calculated on the amount by which the guarantee is increased. No fee for amendment to the guarantee is charged additionally. (5) The guarantee interest is calculated according to the Rules on Issuance of Guarantees. (6) In case of increase of guarantee amount, if guarantee interest was applied before the increase of guarantee amount, then from date of increase of guarantee amount guarantee interest indicated in the Pricelist applied on the total amount of the guarantee. If guarantee interest was not applied before the increase of guarantee amount, then from date of increase of guarantee amount guarantee interest indicated in the Pricelist is applied on the total amount of the guarantee, including increased amount of the guarantee. |
Fee price changed, footnotes added | |
| 0.5% of the amount, min. €100, max. €180 and interest for the bank's commitment Guarantee issuance, increase of its amount (1) - if secured by another collateral (1) In case of increase of guarantee amount, the fee is calculated on the amount by which that guarantee is increased. No fee for amendment to the guarantee is charged additionally. In certain cases (for issue of a guarantee in non‑standard wording or other language and the like) a higher fee may be charged on the agreed basis. |
0.5% of the amount, min. €100, max. €190 and interest indicated in the agreement (4) Guarantee issuance, increase of its amount (1) - if secured by another collateral (1) In certain cases (for issue of guarantee in non‑standard wording or other language and the like) a higher fee may be charged on the agreed basis. (4) In case of increase of guarantee amount, the fee is calculated on the amount by which the guarantee is increased. No fee for amendment to the guarantee is charged additionally. |
Fee price changed, footnote added | |
| €250 and interest for the bank's commitment Guarantee issuance at the request of another bank |
€250 and agreed interest on the guarantee amount Guarantee issuance at the request of another bank |
Changed fee description | |
| €40 Guarantee amendment, including reduction of guarantee amount under the conditions of the guarantee |
If guarantee term (3) is up to 1 year - €70 If guarantee term (3) is 1 year or longer - €70 and 0.5% annual interest (5) on the guarantee amount (7) Guarantee amendment (1) - if secured by cash cover (2)/term deposit pledge (1) In certain cases (for issue of guarantee in non‑standard wording or other language and the like) a higher fee may be charged on the agreed basis. (2) The Bank does not pay any interest on funds reserved as cash cover. (3) Guarantee term is calculated from guarantee issuance date until guarantee expiry date, including all guarantee term prolongations. (5) The guarantee interest is calculated according to the actual number of days in a month, considering that the calendar year consists of 360 days, as provided in The Rules on Issuance of Guarantees. (7) If guarantee interest was applied before guarantee amendment, then from guarantee amendment date guarantee interest indicated in the Pricelist is applied on the total amount of the guarantee |
Fee price changed | |
| €70 Guarantee amendment (1) - if secured by another collateral (1) In certain cases (for issue of guarantee in non‑standard wording or other language and the like) a higher fee may be charged on the agreed basis. |
Fee price changed | ||
| €70 Reduction of guarantee amount under the conditions of the guarantee |
Changed fee | ||
| €80 Urgent issuance/amendment of a guarantee (3) (3) An extra fee to Guarantee issuance/amendment fee. Urgent guarantee is issued or amended within one working day from the moment of submitting the application filled in correctly and signed properly and all other required documents, if any, to the Bank. When submitting the application, all of the conditions for guarantee issue or amendment shall be met. |
€100 Urgent issuance/amendment of a guarantee (8) (8) An extra fee to guarantee issuance/amendment fee. Urgent guarantee is issued or amended within one working day from the moment of submitting the application filled in correctly and signed properly with the Bank. When submitting the application, all of the conditions for guarantee issue or amendment shall be met. |
Fee price changed | |
| €45 Cancellation of guarantee application |
€50 Cancellation of guarantee application |
Fee price changed | |
| 0.1% of claimed amount, min. €145 Handling of demand for payment under guarantee |
0.1% of claimed amount, min. €170 Handling of demand for payment under guarantee |
Fee price changed | |
| €40 Advice of guarantee or its amendment issued by another bank |
€50 Advice of guarantee or it's amendment issued by another bank |
Fee price changed | |
| €55 Handling of demand for payment under a guarantee issued by another bank |
€60 Handling of demand for payment under a guarantee issued by another bank |
Fee price changed | |
| €45 Verification of authenticity of a guarantee issued by another bank (applicable if the Bank is not the advising bank) |
€50 Verification of authenticity of a guarantee issued by another bank (applicable if the Bank is not the advising bank) |
Fee price changed | |
| Import letters of credit Export letters of credit Documentary collections Guarantees |
€25 Preparation of inquiry or information at the customer's request |
€30 Preparation of inquiry or information at the customer's request |
Fee price changed |