Price list changes for private customers starting April 1, 2022

We have made changes to the current price list, clarified the terms and prices to ensure a better price list structure. As well as uniform service prices across Baltics and adjust the wording and structure of the documents to make it more transparent and easily understandable for our customers.

The most significant changes are made to our Daily services such as Accounts and Packages.

Please pay attention that we have change the naming of packages to be aligned across Baltics:

  • Luminor Debit (previously – Daily package),
  • Luminor Black (previously – Black package).
Accounts

Product name in price list Fee price and name currently Fee price and name starting from 2022 04 01 Type of change
Minimum service charge €1 per month
Maintaining the accounts (1)
(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.
€1.30 per month
Maintaining the accounts (1)(4)
(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.
(4) Except non-resident outside the EEA for whom additionally is applicable maintaining the account monthly fee.
Fee price changed and new footnote (4) added
Maintaining the accounts   €10
Additional maintaining the account monthly fee for non-resident outside the EEA
New fee
Maintaining the accounts   (Central Bank annual interest rate (2) minus 0.1% point)/360
Account balance fee: (1) if the total balance exceeds: EUR 500 000; SEK 5 000 000; DKK 3 750 000; CHF 500 000; JPY 65 000 000; CZK 12 500 000.
(1) The fee is calculated at the end of each day and is applicable if, at the time of calculation, the total balance of all accounts of one customer in the same currency exceeds the total balance in the respective currency indicated above. The fee is calculated by multiplying total balance by the absolute value (i.e., module) of the respective fee indicated above. The fee does not apply if the Central Bank annual interest rate becomes positive or zero. The fee is debited from the account latest by the 10th day of the following calendar month.
(2) The Central Bank annual interest rate is the annual interest rate set by the central bank for the respective currency:
• for EUR currency - ECB deposit facility rate;
• for SEK currency - Sveriges Riksbank repo rate;
• for DKK currency - Danmarks Nationalbank Certificates of deposit rate;
• for CHF currency - Swiss National Bank negative interest rate;
• for JPY currency - Bank of Japan complementary deposit facility rate;
• for CZK currency - Czech National Bank deposit facility rate.
New fee

Cards

Product name in price list Fee price and name currently Fee price and name starting from 2022 04 01 Type of change
Debit and credit cards issuing and delivery (Visa Debit)   Free
Monthly fee for additional card (children starting from age 7)
New informationt about cards for children added

Packages

Product name in price list Fee price and name currently Fee price and name starting from 2022 04 01 Type of change
Standard banking packages
Basic payment account service
Luminor Debit
Luminor Black
Free
Bank account maintenance
Free
Maintaining the accounts (3)
(3) Except non-resident outside the EEA for whom additionally is applicable maintaining the account monthly fee.
New footnote (3) added
Standard banking packages (Luminor Debit) €1.06
Monthly fee for senior customers (65 years of age or older)
€1.40
Monthly fee for senior customers (65 years of age or older)
Fee price changed
Standard banking packages (Luminor Black) €5.50 (2)
Black package (1)
(1) Black package consists of Luminor Black card and Daily package features.
(2) The monthly fee consists of Luminor Black card and Daily package standard monthly fees.
€5.50
Luminor Black
Footnotes (1) (2) removed
Standard banking packages
Basic payment account service
Up to €600 per month (6)
Cash withdrawal at Luminor ATM‘s in Baltics and Medus ATMs in Lithuania without charge:
- Debit Card
(6) For Basic payment account service users the free withdrawal limit is applicable at Luminor ATMs and Medus ATMs in Lithuania.
Up to €600 per month
Cash withdrawal at Luminor ATM‘s in Baltics and Medus ATMs in Lithuania without charge:
- Debit Card
Footnote (6) removed

Investment services

Product name in price list Fee price and name currently Fee price and name starting from 2022 04 01 Type of change
Investing in securities
Securities account quarterly maintenance fee
0.02 % of the value of securities (min. €1)
Securities with ISIN code starting with EE, LV, LT:
0.02 % of the value of securities (min. €1)
Baltic Securities
Fee name changed
Investing in securities
Securities account quarterly maintenance fee
0.04 % of the value of securities (min. €1.50)
Securities with ISIN codes starting with US, GB, IE, DE, AT, FR, ES, BE, NL, LU, FI, NO, SE, DK, EU:
0.04 % of the value of securities (min. €1.50)
Global securities (Australia, Austria, Belgium,  Canada, Czech Republic, Denmark, Euroclear (fixed income), Finland, France, Germany, Greece, Ireland, Italy, Japan, Netherlands, Norway, Poland, Singapore, Spain, Sweden, Switzerland, UK, USA)
Fee name changed
Investing in securities
Securities account quarterly maintenance fee
0.03 % of of the value of securities (min. €1.50)
Securities with ISIN code starting with XS:
0.03 % of of the value of securities (min. €1.50)
Eurobond Securities
Fee name changed
Investing in securities
Other securities related services
€20 + external costs
Issuing documents which allow customer to participate in AGM/EGM
As individually agreed
Participation in general shareholder’s meeting
Fee price changed
Investing in securities
Other securities related services
€20 + external costs
Instructing custodian banks about voluntary corporate actions based on customer instruction
€20 + external costs
Processing of securities related optional events
Fee name changed