Cards
| Product name in price list | Fee price and name currently | Fee price and name starting from 2022 11 01 | Type of change |
|---|---|---|---|
| Debit and credit cards issuing and delivery (Visa Debit) | ‑ | €1 Monthly fee for additional card (adults starting from age 18) |
New information about additional card |
| Debit and credit cards issuing and delivery Luminor Black |
‑ | €3.50 Monthly fee for additional card (adults starting from age 18) |
New information about additional card |
| Debit and credit cards issuing and delivery Luminor Visa Infinite |
‑ | €20 Monthly fee for additional card (adults starting from age 18) |
New information about additional card |
| Payments and Cash Luminor Black |
Free up to €600 per calendar month, 2% of the sum exceeding €600 Cash withdrawal ‑ Luminor ATMs in Baltic countries and Medus ATMs in Lithuania (5) (5) The calculation is made on the basis of confirmed transactions within a month. |
Free up to €1200 per calendar month, 2% of the sum exceeding €1200 (min. €3.50) Cash withdrawal ‑ Luminor ATMs in Baltic countries and Medus ATMs in Lithuania (5) (5) The calculation is made on the basis of confirmed transactions within a month. |
Increased limit |
| Free up to €600 per calendar month, 2% of the sum exceeding €600 (min. €3.50) Cash deposit ‑ Luminor and Medus ATMs in Lithuania (5) (5) The calculation is made on the basis of confirmed transactions within a month. |
Free up to €1200 per calendar month, 2% of the sum exceeding €1200 (min. €3.50) Cash deposit ‑ Luminor and Medus ATMs in Lithuania (5) (5) The calculation is made on the basis of confirmed transactions within a month. |
Increased limit | |
| Payments and Cash Luminor Visa Infinite |
Free up to €1000 per calendar month, 2% of the sum exceeding €1000 Cash withdrawal ‑ Luminor ATMs in Baltic countries and Medus ATMs in Lithuania (5) (5) The calculation is made on the basis of confirmed transactions within a month. |
Free up to €2000 per calendar month, 2% of the sum exceeding €2000 (min. €3.50) Cash withdrawal ‑ Luminor ATMs in Baltic countries and Medus ATMs in Lithuania (5) (5) The calculation is made on the basis of confirmed transactions within a month. |
Increased limit |
| Free up to €1000 per calendar month, 2% of the sum exceeding €1000 (min. €3.50) Cash deposit ‑ Luminor and Medus ATMs in Lithuania (5) (5) The calculation is made on the basis of confirmed transactions within a month. |
Free up to €2000 per calendar month, 2% of the sum exceeding €2000 (min. €3.50) Cash deposit ‑ Luminor and Medus ATMs in Lithuania (5) (5) The calculation is made on the basis of confirmed transactions within a month. |
Increased limit |
Lending
| Product name in price list | Fee price and name currently | Fee price and name starting from 2022 11 01 | Type of change |
|---|---|---|---|
| Housing loan, Idea loan (Loan with collateral) | 0.5% of loan amount or additionally disbursable amount, min. €100 Agreement fee |
0.5% of loan amount or additionally disbursable amount, min. €100 Agreement fee (1) (1) Different conditions can be applied if purchase agreement is signed with Luminor partners. |
New footnote added |
| €200 Agreement amendment fee (1) (2) (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. In case the interest rate under the agreement is fixed for longer than 12‑month term and its validity is terminated as a result of changing the terms and conditions of the agreement, then an additional fee is applied which is equal to the early repayment fee applied to loans with interest rate fixed for longer than 12‑month term (see “Early repayment fee”). In such cases, the calculation of the fee is based on the loan amount with the changed terms and conditions but not on the pre‑paid loan amount. The validity of the interest rate fixed for longer than 12‑month term is considered to be terminated in the following cases: ‑ the interest rate fixed for longer than 12‑month term is changed into the interest rate changed on a 3, 6 or 12 month basis; ‑ the interest rate fixed for longer than 12‑month term is changed into a lower interest rate fixed for longer than 12‑month term; ‑ the loan currency is changed; ‑ the effective period of the interest rate fixed for longer than 12‑month term is shortened; ‑ the loan amount provided by the agreement is reduced (or the entire loan amount is not drawn‑down). (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. |
€200 Agreement amendment fee (2) (3) (4) (2) 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. In case the interest rate under the agreement is fixed for longer than 12‑month term and its validity is terminated as a result of changing the terms and conditions of the agreement, then an additional fee is applied which is equal to the early repayment fee applied to loans with interest rate fixed for longer than 12‑month term (see “Early repayment fee”). In such cases, the calculation of the fee is based on the loan amount with the changed terms and conditions but not on the pre‑paid loan amount. The validity of the interest rate fixed for longer than 12‑month term is considered to be terminated in the following cases: ‑ the interest rate fixed for longer than 12‑month term is changed into the interest rate changed on a 3, 6 or 12 month basis; ‑ the interest rate fixed for longer than 12‑month term is changed into a lower interest rate fixed for longer than 12‑month term; ‑ the loan currency is changed; ‑ the effective period of the interest rate fixed for longer than 12‑month term is shortened; ‑ the loan amount provided by the agreement is reduced (or the entire loan amount is not drawn‑down). (3) 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. (4) In case of complex amendment up to 0.2% of loan balance. |
New footnote added | |
| €20 Change of loan monthly repayment date or loan repayment account |
Free Change of loan monthly repayment date or loan repayment account: Free ‑ once in a calendar year €20 ‑ as of the second change in one calendar year |
Fee price changed | |
| 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. |
The fee is calculated according to the formula (5), unless otherwise specified in the agreement Early full or partial loan repayment if interest rate is fixed for longer than 12‑month term (5) The fee is calculated as compensation for potential costs of the Bank directly linked to the 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. |
Fee name and footnote adjusted | |
| ‑ | €100 Penalty for failure to submit the insurance policy of the collateral |
New fee |
Investments
Investments section in the price list is restructured to make it more clear according to products we offer inlc. 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. |
New 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 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 fee |
| 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 |