Please be informed that from the 1st of October 2021, the amended Luminor Pricelist will come in effect.
The changes in our current pricelist are being made in order to clarify the terms and prices, to ensure better pricelist structure, as well as to unify the prices of services and products in the Baltic States.
The terminology of price list has been updated according to Glossary of Terms.
| Product name in price list | Fee price and/or name currently | Fee price and/or name starting from 2021 10 01 | Type of change |
|---|---|---|---|
| Minimum service charge | €1 per month, which includes: Bank account maintenance (1) Internet bank login tool (2) Unlimited crediting of funds in Euro from EEA countries Unlimited online payments in Euros within the Bank and EEA countries (3) Unlimited online transfer in other currency within bank (1) No minimum service fee is applied to accounts linked to a banking package. The minimum service charge is applied for a calendar month irrespective of the booking date. The fee is deducted by the 6th day of the next month. Payments and credit transfers should comply with SEPA requirements, i.e. Luminor Bank AS Lithuanian Branch SWIFT (BIC) code (AGBLLT2X) and the beneficiary’s account number in IBAN format have to be specified correctly. (2) Internet bank login tool: Smart‑ID. (3) Including payments for services, shopping at e‑stores and payment of all‑type e‑invoices. |
€1 per month, which includes: Maintaining the accounts (1) Internet bank login tool (2) Crediting of incoming payments in Euros from Single Euro Payments Area member states Euro payments in internet/ mobile bank (3) Payments in other currency within bank in Internet bank (1) No minimum service fee is applied to accounts linked to a banking package. The minimum service charge is applied for a calendar month irrespective of the booking date and is deducted by the 6th day of the next month. (2) Internet bank login tool: Smart‑ID. (3) Euro Payments within bank, to Lithuania and to other Single Euro Payments Area member states, including payments for services, including payments for services, shopping at e‑stores and payment of all‑type e‑invoices. |
Change fee names and footnotes |
| Account maintenance Statement of account |
€5 per month Issuing of account statements for period indicated by a customer - at the Customer Service Center |
€5 per month (max 60 EUR) Issuing of account statements for period indicated by a customer (1) (1) If a natural person does not use Internet bank, once per month a statement for a period of no more than 30 last days or for a past month is issued free of charge in Customer Service Centre. |
Change fee name and price (added max possible fee price), added footnote |
| Product name in price list | Fee price and/or name currently | Fee price and/or name starting from 2021 10 01 | Type of change |
|---|---|---|---|
| Other services Bank statements |
€10 Standard references: opened/closed accounts and their balances (1) €15 Non‑standard references (1) (1) Bank statements issued within 10 business days. |
Drafting of a reference upon the Customer’s request: €10 ‑ Standard reference about opened/closed accounts and their balances (1) As agreed, min €15 ‑ Non‑standard references (1) (1) Bank statements issued within 10 business days. |
Change fee name and price |
| Other services Copies of documents/mailing |
€10 + Courier costs Courier delivery |
New fee |
| Product name in price list | Fee price and/or name currently | Fee price and/or name starting from 2021 10 01 | Type of change |
|---|---|---|---|
| Payment Cards (Visa Debit, Luminor Black, Luminor Visa Infinite) No longer issued cards Debit and credit cards issuing |
€25 additional fee for express issuing (3) (3) If the card is ordered on a business day by 12:00 AM, it will be delivered to Customer Service Center on the second business day after ordering. |
€30 additional fee for express issuing (3) (3) If the card is ordered on a business day by 12:00 AM, it will be delivered to Customer Service Center on the second business day after ordering. |
Change fee price |
| Payment Cards (Visa Debit, Luminor Black, Luminor Visa Infinite) No longer issued cards Payments and cash |
Cash out ‑ Luminor ATMs |
Cash wihdrawal ‑ Luminor ATMs in Baltic countries and Medus ATMs in Lithuania |
Change fee name starting from August 9th |
| Payment Cards (Visa Debit, Luminor Black, Luminor Visa Infinite) No longer issued cards Payments and cash |
Cash‑in ‑ Luminor ATMs in Lithuania |
Cash deposit ‑ Luminor and Medus ATMs in Lithuania |
Change fee name starting from August 9th |
| Payment Cards (Visa Debit, Luminor Black, Luminor Visa Infinite) No longer issued cards Other cards' related services |
PIN code reminder: Free - In Internet bank €5 - at Customer Service Center or via phone, chat or Internet Bank with Customer Support |
New fee |
| Product name in price list | Fee price and/or name currently | Fee price and/or name starting from 2021 10 01 | Type of change |
|---|---|---|---|
| Standard banking packages | Debit Card (3) Credit Card (3) (3) Basic payment account service - 1 Visa Debit card is included. Daily package - 1 Visa Debit card is included in the package Black package - 1 Visa Debit card card and 1 Luminor Black card are included in the package |
Debit Card (3) Credit Card (3) (3) Card issuing fee and monthly fee for provision of a card are included in package. |
Change in footnote |
| Standard banking packages No longer issued packages |
Online payments in Euros to accounts within Luminor Lithuania and Single Euro Payments Area member states (5) (5) Including payments for services, shopping at e‑stores and payment of all‑type e‑invoices. |
Euro payments in internet/ mobile bank (5) (5) Euro Payments to Lithuania and Single Euro Payments Area member states, including payments for services, shopping at e‑stores and payment of all‑type e‑invoices. |
Change fee name and footnote |
| Standard banking packages No longer issued packages |
Unlimited online payments in other currency within bank | Payments in other currency within bank in Internet bank | Change fee name |
| Standard banking packages No longer issued packages |
Unlimited crediting of funds in Euros from Single Euro Payments Area member states | Crediting of incoming payments in Euros from Single Euro Payments Area member states | Change fee name |
| Standard banking packages No longer issued packages |
Cash‑in operations at Luminor ATMs in Lithuania | Cash depositing operations at Luminor and Medus ATMs in Lithuania | Change fee name (added Medus ATM) |
| Standard banking packages | Cash withdrawal at Luminor ATM‘s in Baltics without charge: (6) (6) The total withdrawal amount is applied to all cards linked to the banking package to cash withdrawal from Luminor ATMs in Baltic countries. |
Cash withdrawal at Luminor ATM‘s in Baltics and Medus ATMs in Lithuania without charge | Change fee name (added Medus ATM) and footnote removed |
| Product name in price list | Fee price and/or name currently | Fee price and/or name starting from 2021 10 01 | Type of change |
|---|---|---|---|
| Incoming payments | €10 Incoming SHA payments (2) (2) SHA – the beneficiary pays fees of Luminor Bank and intermediary banks. Intermediary bank fees are deducted from the transferred amount. |
€10 Incoming SHA/BEN payments (2) (2) The fee applies to incoming payments with option SHA/BEN received via SWIFT in all currencies from outside EEA and in any other currency than Euro if a payment is received from within EEA. BEN – all fees are applied to the beneficiary. SHA – the beneficiary pays fees of Luminor Bank and intermediary banks. Intermediary bank fees are deducted from the transferred amount. |
Change in fee name and footnote |
| Other payment services Cancellation, amendment and investigation of the payment |
Free In case of mistake by Luminor |
New fee | |
| Other payment services Cancellation, amendment and investigation of the payment |
€3 Cancellation request of a payment order within Luminor Lithuania €10 + extra costs (3) Cancellation or investigation request of a payment order in Euros to another bank of the Single Euro Payments Area member states (1) (1) Full list of countries can be found on the European Central Banks' webpage https://www.ecb.europa.eu/paym/integration/retail/sepa/html/index.en.html. (3) Extra costs - commission, determined by correspondent bank and/or beneficiary bank apart from the Bank for payment order investigation or correction. |
€20 Euro payment to Lithuania or the Single Euro Payments Area member states (1) (1) Full list of countries can be found on the European Central Banks' webpage. |
Change fee name and price |
| Other payment services Cancellation, amendment and investigation of the payment |
€20 + extra costs (3) Cancellation or clarification request of a payment in other currency when the beneficiary’s account is at another bank registered in Lithuania (if it is sent from the Bank). (3) Extra costs - commission, determined by correspondent bank and/or beneficiary bank apart from the Bank for payment order investigation or correction. |
€50 + extra costs (2) Payments in any currency to outside Single Euro Payments Area member states and payments in currencies other than euro to Single Euro Payments Area member states (1) - up to 6 months after receipt of payment order. (1) Full list of countries can be found on the European Central Banks' webpage. (2) Extra costs - commission, determined by correspondent bank and/or beneficiary bank apart from the Bank for payment order investigation, cancellation or correction. |
Change fee name and price |
| Other payment services Cancellation, amendment and investigation of the payment |
€40 + extra costs (3) Cancellation or investigation request of a payment if it is sent from the Bank (2). (2) Applies to payments in Euros outside of the Single Euro Payments Area member states and payments in other currencies. (3) Extra costs - commission, determined by correspondent bank and/or beneficiary bank apart from the Bank for payment order investigation or correction. |
€100 + extra costs (2) - over 6 months after receipt of payment order. (2) Extra costs - commission, determined by correspondent bank and/or beneficiary bank apart from the Bank for payment order investigation, cancellation or correction. |
Change fee name and price |
| Other payment services Other services related to payments |
€6 for each Bank’s confirmation or SWIFT copy of payment |
€10 for each Confirmation of SWIFT or SEPA payment statement |
Change fee name and price |
| Other payment services Other services related to payments |
€3 Payment transaction printout and confirmation |
€5 Payment transaction printout and confirmation |
Change fee price |
| Product name in price list | Fee price and/or name currently | Fee price and/or name starting from 2021 10 01 | Type of change |
|---|---|---|---|
| Consumer loan, Car loan | €50 Change of loan monthly payment date or loan repayment account |
€20 Change of loan monthly payment date |
Change fee price |
| Consumer loan, Car loan | Free Early loan repayment |
New fee | |
| Consumer loan, Car loan | Free Partial loan repayment prior to agreement maturity date |
New fee | |
| Housing loan, Idea loan (Private loan) | 0.5% of loan amount or additionally disbursable amount, min. €200 Agreement fee |
0.5% of loan amount or additionally disbursable amount, min. €100 Agreement fee |
Change fee price |
| Housing loan, Idea loan (Private loan) | €200 Agreement amendment fee (1) (1) For example, changes in payment schedule (excluding change of loan monthly repayment date), waiver of the part of mortgage, loan issuance conditions, loan currency etc. Agreement amendment fee for Private Banking customers is 0.5% of the current loan balance, min. EUR 200. |
€100 Changes in credit agreement in case the customer faces payment difficulties €200 Agreement amendment fee (1) (1) For example, changes in payment schedule (excluding change of loan monthly repayment date), waiver of the part of mortgage, loan issuance conditions, loan currency etc. |
New fee |
| Housing loan, Idea loan (Private loan) | €50 Change of loan monthly payment date or loan repayment account |
€20 Change of loan monthly payment date or loan repayment account |
Change fee price |
| Housing loan, Idea loan (Private loan) | Free Early loan repayment if interest rate is floating |
Free Early full or partial loan repayment if interest rate is floating (2) (2) If the early repayment of the loan takes place at the same time as the reduction of the repayment term, as a result of which the monthly payment is not increased, no commission fee shall be applied. |
Change fee name and footnote added |
| Housing loan, Idea loan (Private loan) | The fee is calculated according to the formula (2) if the fee is not set in loan agreement Early loan repayment if interest rate is fixed for longer than 12‑month term (2) The fee is calculated by the Bank losses due to early repayment. The fee is calculated according to the formula: I = (ratio K * P), where I – early repayment fee; P – loan amount being repaid early; Ratio K – value calculated by the Bank which depends on the financial market interest rates change, the rest of the period to a fixed rate expiry of the loan agreement and the final repayment date. Ratio K can be calculated using dedicated calculator on Bank's website. |
The fee is calculated according to the formula (3) if the fee is not set in loan agreement Early full or partial loan repayment if interest rate is fixed for longer than 12‑month term (3) The fee is calculated by the Bank losses due to early repayment. The fee is calculated according to the formula: I = (ratio K * P), where I – early repayment fee; P – loan amount being repaid early; Ratio K – value calculated by the Bank which depends on the financial market interest rates change, the rest of the period to a fixed rate expiry of the loan agreement and the final repayment date. Ratio K can be calculated using dedicated calculator on Bank's website. |
Change fee name |
| Housing loan, Idea loan (Private loan) | 0.6% of unused part of the loan per year Commitment fee if loan disbursment exceeds 2 calendar months period from loan agreement sign‑off date |
Remove from price list | |
| Other fees | €35 Bank's approvals to state institutions and consents related to the property encumbered in favor of the Bank |
€35 Preparation of standard documents (E.g. bank's approvals to state institutions and consents related to the property) |
Change fee name |
| Other fees | €6 per agreement Issue of copies of agreements or other documents |
Remove from price list "Loans" section, exist under "Other fees" | |
| Other fees | €100 Fee for "Rent to Buy" guarantee note |
Remove from price list | |
| Other fees | €15 Additional fee for the note on Customer's request, issued during not more than 3 working days |
Remove from price list "Loans" section, exist under "Other fees" |
| Product name in price list | Fee price and/or name currently | Fee price and/or name starting from 2021 10 01 | Type of change |
|---|---|---|---|
| Fees for Leasing services | From 0.7% of the purchase cost, min. €150 Agreement execution fee |
1% of the purchase cost, min. €200 Agreement execution fee (1) (1) Standard fees are indicative and may vary based on agreement between the parties. |
Change fee price and footnote added |
| Fees for Leasing services | 0.5% on the outstanding amount as of the request date, min. €150 Fee for transfer of liabilities |
1% of the purchase cost, min. €200 Fee for transfer of liabilities |
Change fee price |
| Fees for other Leasing services | €3 + VAT per unit Resending of administrative penalties, other documents received in the name of the customer |
€10 + VAT per unit Resending of administrative penalties, other documents received in the name of the customer |
Change fee price |
| Product name in price list | Fee price and/or name currently | Fee price and/or name starting from 2021 10 01 | Type of change |
|---|---|---|---|
| Digital channels | €15 Code calculator (except Digipass 300C) 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) (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. |
Change fee name |
| Digital channels | €5 Unblocking of Code calculator in a Customer Service Center |
€5 Unblocking of Code calculator in a Customer Service Center or by phone |
Change fee name (adding that services is also available remotely) |
| Digital channels | Free First issuance of Smart‑ID (3) at Customer Service Center (3) Smart‑ID Qualified Electronic Signature. |
New fee | |
| Digital channels | €5 Subsequent issuance of Smart‑ID (3) at Customer Service Center (4) (3) Smart‑ID Qualified Electronic Signature. (4) Except for minors. |
New fee |
| Product name in price list | Fee price and/or name currently | Fee price and/or name starting from 2021 10 01 | Type of change |
|---|---|---|---|
| Investment services Investing in securities |
0.35% of Trade amount (min. €60) Deutsche Borse Frankfurt Floor |
New fee | |
| Investment services Other securities related services |
Fee is applied according to the service provider pricelist Interest for negative cash balance in Luminor Investor and Luminor Trade platforms |
8% per annum (1) Interest for negative cash account balance in Luminor Investor and Luminor Trade platforms (1) Interest on the negative Luminor Investor and Luminor Trade 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. |
Changed fee name and footnote added |
| Investment services Other securities related services |
Fee is applied according to the service provider pricelist Subscription for real time data |
Prices available in the platform Subscription for real time data in Luminor Investor and Luminor Trade platforms |
Changed fee name and footnote added |
| Investment services Other securities related services |
35 USD or €30 W‑8BEN form processing and certification for US market access in Luminor Investor and Luminor Trade platforms |
New fee | |
| Investment services Other securities related services |
10 USD per ISIN Transfer of securities from one client account to another client account in Luminor Investor and Luminor Trade platforms in case of inheritance and endowment |
New fee | |
| Investment services Other securities related services |
10 USD per ISIN Acquisition price correction in Luminor Investor and Luminor Trade platforms |
New fee |
You can find all the updated Price list here, valid from 2021 10 01.