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.

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.

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 1^st 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.

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