Become a Customer

It’s the perfect time to join Luminor

Join Luminor and enjoy the benefits

The Lottery
"Win with a Luminor Black Card"

From 1 June to 31 August, spend at least EUR 30 with your Luminor Black card and register the receipt. Each month we will draw 10 prizes worth EUR 500 each, while the grand prize is EUR 10,000 in your Luminor Black card account.Lottery permit No. 8163. Lottery period 01.06.2024-20.09.2024.

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Housing loan
For energy efficiency class A properties

Variable annual interest rate for the first 12 months: 0% + 3-, 6- or 12-month Euribor and 0 EUR loan agreement fee (1). See representative example below.

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Home Insurance
For the safety of your home

Feel at ease with home insurance: 24/7 free emergency assistance; full reinstatement value insurance; covering the loan margin if the insured event makes the property uninhabitable; precipitation cover.

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Luminor Black
Just EUR 3.50 per month

Unlimited euro transfers and cash withdrawals up to 1 600 EUR/month without additional fees (2), included purchase and travel insurance (3) – all this and more for just 3.50 EUR/month till 31.12.2024. (4)

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Luminor Investor
Invest smartly

Book a consultation and start investing with Luminor Investor. EUR 0 trading fee for 3 BlackRock (5) ETF portfolios until 31.07.2024!

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Car leasing
50 % discount on the agreement fee

Enjoy our special offer – now pay only half the leasing agreement fee (6)! The offer is valid for new private individuals who join Luminor bank between 3 June 2024 and 30 August 2024 and is available for the first 6 months after becoming a customer

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Housing loan: representative example of a special offer

Real estate price	Loan amount	Loan repayment term	Down payment	Loan agreement fee	Bank annual interest rate of 1.69% + 6 month Euribor	Minimum monthly account maintenance fee	Monthly instalment	Total repayment amount	Mortgage registration in the land register	Annual percentage rate (APR)
€ 120 000	€ 102 000	25 years (300 payments)	€ 18 000	€ 0	5.51 %	€ 1.30	€ 627.31	€ 188 570.01	€ 115.50	5.67 %

This example is informative. A variable 6-month Euribor rate of 3.82 % per year, effective on 15 April 2024, is used in this example.
The loan is secured by the mortgage on the real estate. The mortgaged property must be insured. Additional costs depend on the additional services chosen by the customer, which may be included in the additional conditions of the offer. Creditor: Luminor Bank AS Latvian branch.

Car leasing: representative example of a special offer

Purchase price of the car is EUR 20,000, down payment is EUR 3,000, amount of financing EUR 17,000, financial lease period is 5 years, leasing annual interest rate is 2.39% + 3-month Euribor (3.79% on 30 May 2024), commitment fee for handling the transaction EUR 150.00 (8), total repayment amount is EUR 19,954.94, monthly payment EUR 330.08, annual percentage rate (APR) 6.75%. The customer is obliged to provide CASCO insurance for the car. The example is informative. Leasing service is provided by Luminor Līzings SIA.

Join Luminor remotely

Video call with a consultant

Business days (9:00–18:00)

For Latvian citizens, over the age of 18. You’ll need:
- a valid passport or ID card issued in Latvia;
- a Smart-ID Qualified account or eID with an electronic signature.

Online with photo self‑service

24/7 (processed within 1 bus. day)

For residents, over the age of 18. You’ll need:
- a valid passport or ID card issued in Latvia;
- a Smart-ID Qualified account.

Apply in person
If don’t have a passport or ID issued in Latvia, don’t have an electronic signature, or would prefer to apply in person, please reach out to us by phone +371 67 17 1880 to book an appointment at one of our Customer Service Centres.

The best is yet to come

Become a customer

(1) The offer is valid for the applications submitted from 04.04.2024 until 01.08.2024 for your first home loan with us. Starting from the 13^th month after the loan is granted, an individually determined variable interest rate is applied according to the terms of the loan agreement. The offer may include additional conditions depending on the individual situation of the customer.
(2) Free cash out up to EUR 1 200 from Luminor 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.
(3) Luminor Purchase and Travel insurance services are provided by ADB Compensa Vienna Insurance Group, reg. No. 40103942087, Vienības gatve 87H, Riga. For more information on purchase insurance, please refer to the rules. Full terms and conditions for travel insurance can be found here.
(4) Luminor Black package EUR 3.50 per month until 31.12.2024, if the Luminor Black package is activated within the period from 01.09.2023 to 31.08.2024 for the first time, from 01.01.2025 the fee according to the price list. Offer valid till 31.08.2024 or until revoked.
(5) ETF portfolios are managed by BlackRock Asset Management Ireland Limited, reg. No. 227552.
(6) 50 % discount applied to the commission fee (regular commitment fee according to the pricelist – 1.5 % from the purchase price, min. EUR 165).

Luminor offers daily banking services to citizens or residents of Latvia, Lithuania, and/or Estonia, and would like to establish a business relationship with all potential customers who see Luminor bank as a partner for everyday services, as well as lending, investments, or deposits.

Useful links

Pricelist
Basic payment account opening for natural persons
Background information on the protection of the state-guaranteed deposits
Information for customers on switching payment accounts in Latvian
Standardized terms of services and their definitions (Glossary)
Information regarding bank’s target customer
Your rights when making payments in Europe
Application to redirect salary payment to Luminor