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Refer and get rewarded!

Refer and get rewarded!

Refer and get rewarded!
  • Bring your friend to Luminor until 31 August and get rewarded with EUR 50
  • Invite maximum 5 friends to join us and earn up to EUR 250
  • Offer valid only for existing Luminor customers until 2024‑08‑31
See how it works

How Luminor referral program works?

Step 1
Invite your friend to Luminor

Make sure they understand how Luminor referral program works

Step 2
Friend joins as a Luminor customer

Make sure they mention you as inviter on on‑boarding application last step

Step 3
Friend orders and activates Black card

Friend makes at least 30 transactions within the specified time

Step 4
Wait for the reward

It will be paid during December 2024 in case their invitee filled the criteria

Luminor Black is worth to have! Just for EUR 3.50 per month.1

– Luminor Black comes with travel insurance for you and your family2 – both home and abroad.
– Free 180 day purchase insurance2 that covers repair or reimbursement.
– Free cash out within the limit up to EUR 1,600 per month3 from Luminor and other banks ATMs worldwide.

Learn more

Enjoy the benefits of being our customer

Referral program

We will reward each existing customer with EUR 50 for a new customer

 Terms & Conditions

Luminor Plus Club

Take advantages of special offers from Luminor partners!

 Become a member

Good offers

Learn more about the offers applicable to new customers

 Become a customer

Rules and conditions

Who can invite friends to join?

All existing Luminor private customers can invite their friends to join. New customers who join through the referral program can also invite friends to join until 2024-08-31. The person who will be invited to participate in the program must be over 18 years of age.

What is required from the new joiner?

New customers are to order a Luminor Black card and make at least 30 payments with it. New customers invited by June 1, 11:59 p.m. must perform at least 30 financial transactions by 2024-08-31. Customers invited between June 22 and August 31 at 11:59 p.m. must perform at least 30 financial transactions by 2024-11-30.

When and how the reward will be paid out?

The reward will be paid out to your Luminor private client account if the specified conditions are met. The amount transferred to the existing customer is already after tax deduction, personal income tax is deducted and paid by Luminor on behalf of the customer. All inviters whose referrals meet the program criteria by June 1st at 11:59 p.m. will receive their cash bonus in September 2024. All inviters whose clients were brought between June 22 and August 31 at 11:59 p.m. will fulfill the criteria of the program, they will receive their monetary bonus in December 2024.

What is considered as transaction?

Payment with physical card or e-wallet. Also, internet payment transactions count if they are made by using card details (not using payment link).

Important dates and links:

  • You have time until 31 August 23:59 o’clock to invite new customers.
  • New customers invited by June 1, 11:59 p.m. must perform at least 30 financial transactions by 2024-08-31. Customers invited from June 22 until August 31, 23:59 must perform at least 30 financial transactions by 2024-11-30.
  • All inviters whose referrals meet the program criteria by June 1st at 11:59 p.m. will receive their cash bonus in September 2024. All inviters whose clients were brought between June 22 and August 31 at 11:59 p.m. will fulfill the criteria of the program, they will receive their monetary bonus in December 2024.
  • Referral program rules and conditions
  • Become Luminor customer
1 Luminor Black package EUR 3.50 per month until 2024 12 31, if the Luminor Black package is activated within the period from 2023 09 01 to 2024 08 31 for the first time, after 2024 12 31 the fee according to the price list. Offer valid till 2024 08 31 or until revoked.
2 Luminor Purchase and Travel insurance services are provided by ADB Compensa Vienna Insurance Group, Ukmergės g. 280, 06115 Vilnius, company  code 304080146. For more information on purchase insurance, please refer to the rules. Full terms and conditions for travel insurance can be found here.
3 Free cash out up to EUR 1200 from Luminor, Medus, Bankomatas.lt ATMs and up to EUR 400 from other ATMs worldwide. Certain ATMs abroad may impose an ATM fee, notifying them about it on the ATM screen. To withdraw money without a commission fee, please use another ATM network.