Terms & Conditions

Processing of Personal Data

Data Retention Policy
Privacy Policy
External Personal Data Sources
The list of processes where automated individual decision making is happening

Fee Information Document and Glossary of Terms

Here private clients can find the Fee Information Document their are interested in and the Glossary of Terms used in this document:
Fee Information Document – Minimal Fee
Fee Information Document – Luminor Debit Banking Package
Fee Information Document – Black Banking Package
Fee Information Document – Basic Payment Account Service
Glossary of Terms

Bank Guarantees

Rules on Issuance of Guarantees
Application to Set a Limit
Application to Issue a Guarantee
Application to Amend the Guarantee

Documents submitted to the Bank may be signed with a qualified electronic signature that is compliant with the requirements of Regulation (EU) No 910/2014 of the European Parliament and of the Council of 23 July 2014 on electronic identification and trust services for electronic transactions in the internal market and repealing Directive 1999/93/EC. The Bank at its choice may refuse to accept the qualified electronic signatures offered by certain qualified trust service providers and for the validation of a qualified electronic signature to choose a qualified trust service provider acceptable to the Bank.
The Bank signs and verifies electronic documents on the Dokobit platform provided by UAB Dokobit, company code 301549834.

Card Payment Acceptance Service

Card Payment Acceptance Rules in Lithuanian
Special Provisions for Luminor Phone POS Card Acceptance

Consumer Loan

Rules on Consumer Loan Granting, in Lithuanian

Credit cards travel insurance

Travel insurance terms and conditions, valid from 2024 01 01
Luminor Black, VISA Gold
VISA Classic
VISA Business
VISA Infinite

Memos, in Lithuanian
Travel Insurance Memo

Broken Bones Insurance terms and conditions
Broken Bones Insurance terms and conditions, valid from 2024 01 01:

Now every accident inside territory of Ukraine would be treated as not insurable.
At present, due to the declared war in Ukraine insurance coverage not valid in Ukraine territory. In all other territories insurance cover is valid under the terms of the insurance contract.

If you have an insurable accident abroad, please immediately inform our Travel assistance partner UAB OPS International by phone +370 5 203 0055 or luminor@ops24.eu (in case of medical expenses coverage). Otherwise, right upon return to your permanent place of residence contact Compensa Vienna Insurance Group by phone 19111 or +370 5 249 1911 (calls from abroad), fill notification form at compensa.lt/atsitikus-ivykiui.

The submitted complaints are considered in accordance with the regulations of the ADB „Compensa Vienna Insurance Group" Lithuania (in Lithuanian).

Deposits

Deposit and Investment Insurance

General terms and conditions of savings account for private customers
General terms and conditions of term deposit for private customers
General terms and conditions of term deposits for corporate customers

Internet bank

Information is being updated.

Investments

Information for investors (MiFID)

Letter of Credit

Rules on Issuance of Letters of Credit
Application to Issue Letter of Credit
Application to Amend the Letter of Credit

In Lithuanian
Letter of Credit Purchasing Rules

Luminor E-Commerce Gateway

E-Commerce Gateway Service Terms, effective from 2020 04 14

Luminor Trade

General Business Terms for Investment Services Rendered via Luminor Trade effective from nuo 2019 01 02
Business Terms for Securities Trading via Luminor Trade effective from nuo 2019 01 02
Net Free Equity (NFE) Margins

Previous versions of the documents in Lithuanian

Mobile Bank

Terms and conditions for the use of Luminor Bank mobile banking application

Housing Loan

Rules for the Provision of Credit Related to Real Estate in Lithuanian:

Payment Cards

In Lithuanian:
Credit limit – VISA
Rules on Credit Limit Granting in the Luminor Black Payment Card Account to Private Individuals, effective from 2021 05 05
Rules on Credit Limit Granting in the Payment Card Account to Private Individuals, effective from 2020 01 13
Rules on Credit Limit Granting in the Payment Card Account to Private Individuals (B), effective from 2020 06 27 applies to credit limits transferred from a Mastercard credit card to VISA

Home technical services rules and price list (as of 2021 09 01 Technical home and roadside assistance service is no longer provided)

Currency exchange

General terms and conditions on foreign exchange transactions

Life Insurance

ERGO life insurance general terms and conditions Nr. 028, in Lithuanian, effective from 2023 06 01

Home Insurance

Insurance product information document – insurer AB Lietuvos draudimas, effective from 2023 01 01

In Lithuanian:

Insurance product information document – insurer AB Lietuvos draudimas, effective until 2022 12 31
Memo for Home Insurance – insurer AB Lietuvos draudimas, effective from 2023 01 01
Memo for Home Insurance – insurer AB Lietuvos draudimas, effective until 2022 12 31
Home Insurance Rules – insurer AB Lietuvos draudimas, effective from 2023 01 01
Home Insurance Rules – insurer AB Lietuvos draudimas, effective from 2016 08 15 till 2022 12 31
Home Insurance Rules – insurer IF, effective from 2017 10 01

Leasing Insurance

Documents from Lithuanian branch of AAS “BTA Baltic Insurance”, in Lithuanian:
MTPL insurance product information document
Road Assistance insurance Terms & Conditions No. 18PK.1
Road Assistance insurance packages and their comparison
Driver and passengers’ accident insurance Terms & Conditions No. 01.5
Driver and passengers’ accident insurance product information document
CASCO insurance product information document
CASCO insurance product description for Standard and Premium packages valid from 2024 10 10
CASCO insurance product description for Standard and Premium packages (only for Toyota and Lexus car specialized dealers)
CASCO insurance Terms & Conditions No.03.01
Specialised machinery and equipment insurance product information document
Specialised machinery and equipment insurance product description for Standard and Premium packages
Specialised machinery and equipment insurance Terms & Conditions No.09.ST1

Loan Payment Insurance

Loan Payment Insurance product information document, effective from 2023 05 09
Insurance Agent Information Document, effective from 2023 05 09, in Lithuanian
Loan Payment Insurance Terms and Conditions No. 068L, effective from 2023 05 09

Loan Payment Insurance product information document effective from 2021 05 11 till 2023 05 08, in Lithuanian
Loan Payment Insurance Terms and Conditions No. 068L effective from 2021 05 11 till 2023 05 08

Loan Payment Insurance product information document effective till 2021 05 10, in Lithuanian
Loan Payment Insurance Terms and Conditions No. 068L effective till 2021 05 10

Purchase Insurance

Purchase Insurance terms and conditions
Luminor Black and Infinite Purchase insurance rules
Visa Business Purchase insurance rules, valid from 2024 05 22

Memos
Luminor Black and Infinite Purchase insurance memo
Visa Business Purchase insurance memo, valid from 2024 05 22

Personal Accident Insurance

In Lithuanian:
Description of Personal Accident Insurance in brief, valid from 2024 06 16
Personal Accident Insurance Information Document, valid from 2024 06 16
Special Terms and Conditions of Personal Accident Insurance for “Luminor” bank customers, valid from 2014 06 16
General Terms and Conditions of Personal Accident Insurance No 69, valid from 2024 06 16
Insurance Intermediary Information Document, valid from 2020 09 14

Safety+ Service

Safety+ service rules, effective from 2022 06 01

Luminor archive

Bylaws of Luminor Bank AB, effective from 2017 10 01 to 2017 11 08, in Lithuanian

Payment Service Rules
Effective from 2021 10 01 to 2022 10 31
Effective from 2020 09 01 to 2021 09 30
Effective from 2020 04 09 to 2020 08 31
Effective from 2020 02 10 to 2020 04 08
Effective from 2019 07 02 to 2020 02 09
Effective from 2018 11 06 to 2019 07 01
Effective from 2018 08 01 to 2018 11 05

General Business Terms
Luminor General Business Terms, effective till 2024 02 29
Effective from 2019 01 02 until 2020 08 31

Banking packages
Luminor terms and conditions of business packages for corporate customers, effective from 2018 02 01 to 2018 07 31

Luminor Group Privacy Policy
Effective from 2018 05 25 to 2019 01 01

Corporate social responsibility in Luminor
Corporate social responsibility in Luminor effective until 2021 12 20

Consumer loan
Rules on Consumer Loan Granting, effective from 2021 11 23 to 2022 09 29, in Lithuanian
Rules on Consumer Loan Granting, effective from 2019 02 01 to 2021 11 21, in Lithuanian
Rules on Consumer Loan Granting, effective from 2018 02 01 to 2019 01 31, in Lithuanian

Credit cards travel insurance
Effective till 023 12 31
Luminor Black, VISA Gold
VISA Classic
VISA Business
VISA Infinite

Effective till 2021 09 30
Luminor Black, VISA Gold
VISA Classic
VISA Business
VISA Infinite

Effective till the 2020 11 30. Claims about the occurrence of the insured event till 2020 11 30 in the foreign country could be submitted to ERGO till 2020 12 31:
Luminor Black, VISA Gold and Mastercard Gold
VISA Classic and Mastercard Credit/PINS
Mastercard Platinum
VISA Business and Mastercard Business
VISA Infinite

Travel insurance terms and conditions, which came into force for Visa cards from 2018 10 01 and for Mastercard cards from 2019 01 01 and were effective until 2019 07 31
VISA Classic and Mastercard Credit/PINS
VISA Gold and Mastercard Gold
Mastercard Platinum
VISA Business and Mastercard Business

Personal accident insurance

Safe Card service

Terms and conditions of providing the card security service "Safe card", effective from 2018 08 01 to 2022 05 31

Luminor E-Commerce Gateway 
E-Commerce Gateway Service Terms, effective from 2020 01 15 to 2020 04 13

Luminor | DNB archive

Bylaws of AB DNB bankas
Bylaws of AB DNB bankas

General Rules on the Provision of Services
Effective from 2018 05 25 to 2019 01 01
Effective from 2017 10 01 to 2017 05 24
Effective from 2016 01 04 to 2017 09 30
Effective from 2014 07 21 to 2016 03 01
Effective from 2013 08 26 to 2014 07 20
Effective from 2012 06 18 to 2013 08 25
Effective from 2006 05 12 to 2012 06 17, in Lithuanian

Payment Service Rules
Effective from 2017 10 01 to 2018 07 31
Effective from 2017 03 01 to 2017 09 30
Effective from 2017 02 01 to 2017 02 28, in Lithuanian
Effective from 2016 11 01 to 2017 01 31, in Lithuanian
Effective from 2016 04 01 to 2016 10 31
Effective from 2016 02 29 to 2016 03 31, in Lithuanian
Effective from 2016 01 01 to 2016 02 28
Effective from 2013 08 26 to 2015 12 31
Effective from 2012 06 18 to 2013 08 25
Effective from 2010 03 08 to 2012 06 17, in Lithuanian

Credit Card Travel Insurance Rules
Effective from 2017 10 01 to 2018 09 30
Effective from 2017 07 01 to 2017 09 30
Effective from 2017 02 01 to 2017 06 30, in Lithuanian
Effective from 2016 07 01 to 2017 01 31, in Lithuanian
Effective from 2015 05 01 until 2016 06 30, in Lithuanian

Rules on Credit Limit Granting in the Payment Card Account to Private Individuals, in Lithuanian
Effective from 2018 09 03 to 2020 01 12
Effective from 2017 09 25 to 2018 09 02
Effective from 2016 11 01 to 2017 09 24
Effective from 2016 03 01 to 2016 10 31
Effective from 2016 02 01 to 2016 02 29

Casco Insurance Rules, in Lithuanian
Effective from 2015 12 01 to 2016 01 04
Effective until 2015 12 01

Trade Finance, in Lithuanian
Rules on Issuance of Guarantees effective from 2021 02 01 to 2022 10 31
Rules for Providing Bank Guarantees, effective from 2016 06 15
Letter of Credit Purchasing Rules, effective from 2016 01 04 to 2017 02 28
Letter of Credit Purchasing Rules, effective from 2017 03 01 to 2017 09 30

ERGO Skėtis Terms and Conditions, in Lithuanian
Loan Insurance “ERGO Skėtis” Terms and Conditions, effective until 2017 06 30
From 2017 02 06 the Mortgage Borrower Unit-linked Life Insurance was discontinued.
The endowment insurance “Make Your Child’s Dream Come True” was discontinued from 2017 02 06
Endowment Insurance “Make Your Child’s Dream Come True” Rules

Payment Card Accident Insurance (in Lithuanian, discontinued from 2017 04 26)
Card Holder Accident Insurance Terms and Conditions
Mandatory information that must be provided by the insurance intermediary to customers

Personal insurance
The special conditions for the personal insurance of account holders, valid until 2019 12 31
The special conditions for the personal insurance of account holders, valid until 2019 01 01
Insurance rules valid until 2018 06 15 on Lietuvos Draudimas website, in Lithuanian

Life insurance

ERGO Credit life insurance rules Nr. 026, in Lithuanian, effective from 2019 01 02 till 2023 05 31
Necessary relevant information for those entering into ERGO Credit life insurance contract to rules Nr.026, in Lithuanian, effective till 2023 05 31
ERGO Credit life insurance pricelist to rules Nr.026, in Lithuanian, effective from 2021 02 01 till 2023 05 31
ERGO Credit life insurance pricelist to rules Nr.026, in Lithuanian, effective till 2021 01 31
Necessary relevant information for those entering into ERGO Credit life insurance contract to rules Nr. 024, in Lithuanian, effective till 2023 05 31
ERGO Credit Life Insurance Rules Nr. 024, in Lithuanian, effective till 2023 05 31
Ergo Credit life insurance pricelist to rules Nr. 024, in Lithuanian, effective till 2023 05 31

Rules for Servicing of Payment Cards
Rules for Servicing of Payment Cards valid until 2018 11 04, in Lithuanian

SMS Service
SMS service agreement, in Lithuanian

Luminor | Nordea archive

General Rules on the Provision of Services
Effective from 2018 08 01 to 2019 01 01
Effective from 2018 05 25 to 2018 07 31
Effective from 2017 10 01 to 2018 05 24
Effective from 2016 11 01
Effective from 2016 07 01
Effective from 2015 12 01
Effective from 2015 01 01
Effective from 2014 04 01
Effective from 2013 10 07
Effective from 2012 06 25

Banking packages
Luminor | Nordea conditions of banking packages for private customers, effective from 2018 02 01 to 2018 07 31

Nordea Cards Issuance and Usage Terms and Conditions
Description of the terms on Mastercard cards issuance and usage for private persons, effective to 2018 07 31
Description of the terms on Mastercard Platinum cards issuance and usage, effective to 2018 07 31
Description of the terms on Mastercard cards issuance and usage for corporate customers, effective to 2018 07 31
Description of the terms on Mastercard cards issuance and usage for private persons, effective to 2016 05 09
Description of the terms on Mastercard Platinum cards issuance and usage, effective to 2016 05 09
Description of the terms on Mastercard cards issuance and usage for corporate customers, effective to 2016 03 31
Description of the terms on Mastercard cards issuance and usage for corporate customers, effective to 2014 12 06
Rules on Credit Limit Granting in the Mastercard payment card Account to Private Individuals, effective from 2018 08 01
Rules on Credit Limit Granting in the Mastercard payment card Account to Legal Entities, effective from 2018 08 01

Home Insurance Rules, in Lithuanian
Luminor | Nordea home insurance rules - insurer "IF", effective until 2017 09 30
Luminor | Nordea home insurance rules - insurer "IF", effective until 2014 10 01

Purchase Insurance
Nordea Mastercard Purhcase Protection Insurance Terms and Conditions, effective to 2018 03 31
Notification of Insurance Loss Associated with Mastercard Card Purchase, effective to 2018 03 31

Claims

Complaints and feedback Luminor Bank AS Lithuanian branch
Handling of customer complaints Luminor Lizingas UAB