• 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 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.

1. Make sure to be an existing private customer of Luminor.
2. Tell the selected audience (who are not yet Luminor private customers) about the Luminor referral programme.
3. It is important that the new customer understands the criteria and agrees under their free will to participate.
4. Please use this site to explain the rules of the programme and this link to become Luminor customer.
5. One existing customer can bring five new customers as a maximum.
6. We will use email to identify the match between the inviter and new customer. Therefore, please make sure the email is up to date in Luminor internet bank under personal information.

1. Read the conditions of the referral programme.
2. Become Luminor private customer. Please become our customer via this link. During the application filling process, please tick the box to confirm you joined via referral programme and provide the inviter name, surname and email.
3. Order and activate Luminor Black card.
4. Make 30 transactions.

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

• Luminor has the right to stop the referral programme at any given time by informing about it on its website at luminor.lt.
• The person who will be invited as a new customer has to be at least 18 year old.
• For Luminor to pay out the reward the inviter must have an open account with us which means the account is not restricted, suspended, or closed) during the program.
• If you refer more people than five, you will not be paid any reward for these additional invitees even if they complete the relevant steps successfully.
• In case when the inviter account is restricted, suspended or closed during the program the obligation to pay out the reward is deleted.
• If we discover that the inviter has engaged in any fraud or material abuse of the programme, we may also in our sole discretion take any actions we see fit in the circumstances, including refusal to pay the reward.
• Any personal data processed or controlled during the programme will be dealt with in line with Luminor data processing rules and guidelines.
• The sum transferred to the existing customer is considered after tax amount, personal income tax is withheld and paid by Luminor on behalf of the customer.
• The reward will be paid to inviter Luminor private account.