By completing the migration of customer data and products to a unified Luminor system and developing digital channels, we want to update price list, remove references to products and services that are no longer offered, simplify its structure, as well as adjust service prices to reflect market changes.
The full version of the new prie list is available here.
| Product name in price list | Fee and name currently | Fee and name starting from 01.09.2020 |
|---|---|---|
| Payment cards VISA Business Debit | EUR 1 PIN code reminder |
-EUR 2 -EUR 1 PIN code reminder - in Customer Service Centers or via Customer Support - via Internet bank |
| Payment cards VISA Business Debit | 0.2% of the transaction amount, min. EUR 1,00/ USD 1,50 Cash withdrawal at ATMs in Latvia and abroad - Luminor (Latvia, Lithuania, Estonia) |
0.5% of the transaction amount, min. €1/ USD 1,50 No change in fee name |
| Payment cards VISA Business Debit | Free of charge One's own Account crediting through an ATM of Luminor (Latvia) by Card ( also in case several Cards are used for the account crediting) - below EUR 10 000.00 in a calendar month |
No change in fee One's own Account crediting through an ATM of Luminor (Latvia) by Card ( also in case several Cards are used for the account crediting) - below EUR 5 000 in a calendar month |
| Payment cards VISA Business Debit | 0,2% of the transaction amount exceeding EUR 10 000,00 (or an equivalent in USD) One's own Account crediting through an ATM of Luminor (Latvia) by Card ( also in case several Cards are used for the account crediting) - above EUR 10 000.00 in a calendar month |
0.2% of the transaction amount exceeding €5 000 (or an equivalent in USD) One's own Account crediting through an ATM of Luminor (Latvia) by Card ( also in case several Cards are used for the account crediting) - above EUR 5 000 in a calendar month |
| Payment cards VISA Business Debit | EUR 0,09 per SMS text SMS info |
EUR 0,12 per SMS text No change in fee name |
| Payment cards VISA Business Debit | EUR 15 Fee for processing of an unsubstantiated claim if the cardholder has provided false information to the Bank that is endorsed by a third party; or a request from a trader of a transaction approval document |
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| Payment cards Maestro Business (New Cards may be issued to existing customers with NDEA accounts (LVxxNDEAxxxxxxxxxxxxx)) | - | |
| Payment cards Mastercard Business (New Cards are not issued starting from 15.07.2019) | - | |
| VISA Business | EUR 1 PIN code reminder |
-EUR 2 -EUR 1 PIN code reminder - in Customer Service Centers or via Customer Support - via Internet bank |
| VISA Business | Free of charge One's own Account crediting through an ATM of Luminor (Latvia) by Card ( also in case several Cards are used for the account crediting) - below EUR 10 000.00 in a calendar month |
No change in fee One's own Account crediting through an ATM of Luminor (Latvia) by Card ( also in case several Cards are used for the account crediting) - below EUR 5 000 in a calendar month |
| VISA Business | 0,2% of the transaction amount exceeding EUR 10 000,00 (or an equivalent in USD) One's own Account crediting through an ATM of Luminor (Latvia) by Card ( also in case several Cards are used for the account crediting) - above EUR 10 000.00 in a calendar month |
0.2% of the transaction amount exceeding €5 000 (or an equivalent in USD) One's own Account crediting through an ATM of Luminor (Latvia) by Card ( also in case several Cards are used for the account crediting) - above EUR 5 000 in a calendar month |
| VISA Business | EUR 0,09 per SMS text SMS info |
EUR 0,12 per SMS text No change in fee name |
| VISA Business | EUR 15 Fee for processing of an unsubstantiated claim if the cardholder has provided false information to the Bank that is endorsed by a third party; or a request from a trader of a transaction approval document |
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| Credit cards Mastercard Business (New Cards may be issued to existing customers with NDEA accounts (LVxxNDEAxxxxxxxxxxxxx)) | - | |
| Interest-free credit cards MasterCard Business (New Cards are not issued, renewed and replaced) | - | |
| Credit cards with credit line MasterCard Business (New Cards are not issued, renewed and replaced | - |
| Product name in price list | Fee and name currently | Fee and name starting from 01.09.2020 |
|---|---|---|
| Packages Business package for start-up companies |
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| Packages Business package for companies |
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| Packages Business package 10 |
EUR 9 Package execution |
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| Packages Business package 10 |
Free Unlimited number of NDEA* current accounts opening Footnotes: Package is available to customers and applies to accounts, whose account number contains letters “NDEA” (LVxxNDEAxxxxxxxxxxxxx). * Account, which number contains letters “NDEA” (LVxxNDEAxxxxxxxxxxxxx). |
No change in fee Unlimited number of current accounts Footnotes: - |
| Packages Business package 10 |
Free 10 free SEPA payments |
10 payments free of charge Euro payments |
| Packages Business package 10 |
- | Free To accounts within Luminor Latvia branch |
| Packages Business package 10 |
Free PIN calculator |
No change in fee Smart-ID |
| Packages Business package 25 |
EUR 15 Package execution |
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| Packages Business package 25 |
Free Unlimited number of NDEA* current accounts opening Footnotes: Package is available to customers and applies to accounts, whose account number contains letters “NDEA” (LVxxNDEAxxxxxxxxxxxxx). * Account, which number contains letters “NDEA” (LVxxNDEAxxxxxxxxxxxxx). |
No change in fee Unlimited number of current accounts Footnotes: - |
| Packages Business package 25 |
Free 25 free SEPA payments |
25 payments free of charge Euro payments |
| Packages Business package 25 |
- | Free To accounts within Luminor Latvia branch |
| Packages Business package 25 |
Free PIN calculator |
No change in fee Smart-ID |
| Packages Business package 50 |
EUR 21 Package execution |
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| Packages Business package 50 |
Free Unlimited number of NDEA* current accounts opening Footnotes: Package is available to customers and applies to accounts, whose account number contains letters “NDEA” (LVxxNDEAxxxxxxxxxxxxx). * Account, which number contains letters “NDEA” (LVxxNDEAxxxxxxxxxxxxx). |
No change in fee Unlimited number of current accounts Footnotes: - |
| Packages Business package 50 |
Free 50 free SEPA payments |
50 payments free of charge Euro payments |
| Packages Business package 50 |
- | Free To accounts within Luminor Latvia branch |
| Packages Business package 50 |
Free PIN calculator |
No change in fee Smart-ID |
| Packages Business package 150 |
EUR 40 Package execution |
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| Packages Business package 150 |
Free Unlimited number of NDEA* current accounts opening Footnotes: Package is available to customers and applies to accounts, whose account number contains letters “NDEA” (LVxxNDEAxxxxxxxxxxxxx). * Account, which number contains letters “NDEA” (LVxxNDEAxxxxxxxxxxxxx). |
No change in fee Unlimited number of current accounts Footnotes: - |
| Packages Business package 150 |
Free 150 free SEPA payments |
150 payments free of charge Euro payments |
| Packages Business package 150 |
- | Free To accounts within Luminor Latvia branch |
| Packages Business package 150 |
Free PIN calculator |
No change in fee Smart-ID |
| Product name in price list | Fee and name currently | Fee and name starting from 01.09.2020 | |
|---|---|---|---|
| Cash deposit or withdrawal using a code at ATMs of bank | EUR 5 Drawing up an application to obtain the Code: - at Service places |
EUR 10 Drawing up an application to obtain the Code: - at the Customer Service Center or via Customer Support (1) (1) If Cash-by code is ordered in Internet bank or via Customer support, the limit for cash withdrawal transactions is EUR 5000 daily, for cash deposit - EUR 5000 daily. |
|
| Cash deposit or withdrawal using a code at ATMs of bank | EUR 2 Drawing up an application to obtain the Code: - via Internet bank |
EUR3 Drawing up an application to obtain the Code: - via Internet bank (1) (1) If Cash-by code is ordered in Internet bank or via Customer support, the limit for cash withdrawal transactions is EUR 5000 daily, for cash deposit - EUR 5000 daily. |
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| Cash deposit or withdrawal using a code at ATMs of bank | Footnotes: Service is available for customers with account, which contains letters “RIKO” (LVxxRIKOxxxxxxxxxxxxx). |
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| Product name in price list | Fee and name currently | Fee and name starting from 01.09.2020 |
|---|---|---|
| Internal payments | Pursuant to other sections of the Price List regarding outgoing payments in respective currency. Transfers (outgoing payments) within the Bank: - transfer between RIKO** and NDEA*** accounts or between NDEA*** and RIKO** accounts in other currencies Footnotes: ** Account, which number contains letters “RIKO” (LVxxRIKOxxxxxxxxxxxxx). *** Account, which number contains letters “NDEA” (LVxxNDEAxxxxxxxxxxxxx). |
At Customer Service Center or via Customer Support: EUR 5 Via Digital Channels: EUR 0.05 To other's account within Luminor Latvia branch Footnotes: Terms for payments in Euros are available here Terms for payments in other currency are available here |
| Internal payments | Pursuant to other sections of the Price List regarding outgoing payments in respective currency. Transfers (outgoing payments) within the Bank: - transfer between RIKO** and NDEA*** accounts or between NDEA*** and RIKO** accounts in other currencies Footnotes: ** Account, which number contains letters “RIKO” (LVxxRIKOxxxxxxxxxxxxx). *** Account, which number contains letters “NDEA” (LVxxNDEAxxxxxxxxxxxxx). |
At Customer Service Center or via Customer Support: EUR 5 Via Digital Channels: Free To one's own account within Luminor Latvia branch Footnotes: Terms for payments in Euros are available here Terms for payments in other currency are available here |
| Internal payments | Footnotes: Internal payments is a transfer of funds in all currencies within Luminor Bank. Effecting of payments via 24/7 Customer Support is offered to private individuals only. The maximum total amount of payments within 24 hours via Customer Support tallies up to EUR 4 000 (max. limit for one payment EUR 1400). Payment orders received after the cut-off time shall be considered received on the following Business day of the Bank. |
Footnotes: - |
| Outgoing payments in Euros Payments to European countries |
At the Customer Service Center: EUR 5 Via Digital Channels: EUR 0.36 - Standard SEPA** Footnotes: **SEPA payment – payment within Single Euro Payment Area in EUR currency. In the payment order for performance of such payment the following must be specified: the recipient's IBAN account number without spaces, the recipient bank SWIFT/BIC code, the type of fee - Shared (SHA) and the mode of execution: Standard. Upon the Customer's choice the payment order may include the following optional requisites: identifier assigned by the remitter and payment identifier assigned by the recipient. |
No change in fee Euro payments (1) Footnotes: (1)Payments to Single Euro Payments Area member states. Full list of countries can be found on the European Central Banks' webpage here |
| Outgoing payments in Euros Payments to European countries |
At the Customer Service Center: EUR 20 Via Digital Channels: EUR 14 - Express*** Footnotes: *** Payments in EUR currency only to the beneficiary banks that are members of the TARGET2 system. Payment urgency - Urgent. Transfer of funds to the beneficiary bank or intermediary within 3 hours, commencing from the moment the order was received by the Bank. If payment is sent to the beneficiary that is not a member of TARGET2, the payment will be executed as a standard payment of the EUR. |
No change in fee Urgent Euro payments (2) Footnotes: (2) Urgent payments to TARGET2 direct member banks. Full list of banks can be found on the European Central Banks' webpage here. |
| Outgoing payments in Euros Payments to European countries |
- | Footnotes: Terms for payments in Euros are available here |
| Incoming payments | Free Incoming payments Footnotes: - |
No change in fee Payments received from within the Single Euro Payments Area member states in Euros (3) Footnotes: (3)Payments from Single Euro Payments Area member states and compliant with SEPA requirements. Full list of countries can be found on the European Central Banks' webpage |
| Incoming payments | Via Electronic chanells, payment type SHA: EUR 5 Via Electronic chanells, payment type OUR: Free Incoming currency payments: - Other payments Footnotes: - |
No change in fee - Incoming SHA payments (3) - Incoming OUR payments (4) Footnotes: (3) SHA – the beneficiary pays fees of a beneficiary bank and intermediary banks. (4) OUR – no fees are applied to the beneficiary. However, additional charges may be |
| Currency payments | At Service place or Call Center Type of service fee - Shared (SHA) – EUR 15 Via Electronic chanells Type of service fee - Shared (SHA) - EUR 10 Transfers (outgoing payments) within Europe in European currencies (CZK, DKK, NOK, GBP, CHF, PLN, SEK)****: - standard (Execution time - on the next banking day) |
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| Currency payments | At Service place or Call Center Type of service fee - Shared (SHA) – EUR 20 Via Electronic chanells Type of service fee - Shared (SHA) – EUR 15 Transfers (outgoing payments) within Europe in European currencies (CZK, DKK, NOK, GBP, CHF, PLN, SEK)****: - express (in NOK) (Execution time - on the same banking day) |
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| Outgoing payments in Euros Payments to other countries AND Outgoing payments in other currencies Payments to other banks |
SHA type payment in Service place or Call Center: EUR 15 SHA type payment via Electronic Channels: EUR 11 OUR type payment in Customer Service Center: EUR 30 OUR type payment via Digital Channels: EUR 26 Other currency transfers (outgoing payments): - Economy (Execution time - on the day after the next banking day) |
At Customer Service Center or via Customer Support: -SHA: EUR 21 -OUR: EUR 36 Via Digital Channels: -SHA: No change in fee -OUR: No change in fee - Ordinary SHA payment (1) - Ordinary OUR payment (2) |
| Outgoing payments in Euros Payments to other countries AND Outgoing payments in other currencies Payments to other banks |
SHA type payment in Service place or Call Center: EUR 20 SHA type payment via Electronic Channels EUR 14 OUR type payment in Customer Service Center: EUR 35 OUR type payment via Digital Channels: EUR 29 Other currency transfers (outgoing payments): - Standard (Execution time - on the next banking day) |
At Customer Service Center or via Customer Support: -SHA: EUR 24 -OUR: EUR 39 Via Digital Channels: -SHA: No change in fee -OUR: No change in fee - Urgent SHA payment (1) - Urgent OUR payment (2) |
| Outgoing payments in Euros Payments to other countries AND Outgoing payments in other currencies Payments to other banks |
SHA type payment in Service place or Call Center: EUR 35 SHA type payment via Electronic Channels EUR 21 OUR type payment in Customer Service Center: EUR 50 OUR type payment via Digital Channels: EUR 36 Other currency transfers (outgoing payments): - Express (Execution time* - on the same banking day) |
At Customer Service Center or via Customer Support: -SHA: No change in fee -OUR: No change in fee Via Digital Channels: -SHA: EUR 25 -OUR: No change in fee - Express SHA payment (1) - Express OUR payment (2) |
| Outgoing payments in Euros Payments to other countries AND Outgoing payments in other currencies Payments to other banks |
- | Footnotes: Terms for payments in Euros are available here Terms for payments in other currency are available here |
| Payments Execution conditions for transfers (outgoing payments) |
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| Other payment services Standing orders |
Free Registration of regular payment order |
At Customer Service Center or via Customer Support: EUR 5 Via Digital Channels: Free Registration of standing order |
| Other payment services Standing orders |
-Free -EUR 0.36 -EUR 10 Execution of regular payment order: - to Customer's account and to another account within bank - to a different Latvian bank in EUR currency*** - from RIKO* account to a different Latvian bank and to NDEA** account in other currencies Footnotes: * Account, which number contains letters “RIKO” (LVxxRIKOxxxxxxxxxxxxx). ** Account, which number contains letters “NDEA” (LVxxNDEAxxxxxxxxxxxxx). *** In order to settle a standing payment order from NDEA accounts with the current date, the funds must be transferred to the appropriate account on the date of payment before 17:30. Regular payments from NDEA are settled on business days. If the payment date falls on a holiday, the payment will be processed the following business day. |
According to the payments price list Standing order payment Footnotes: - |
| Other payment services Standing orders |
- | At Customer Service Center or via Customer Support: EUR 5 Via Digital Channels: Free Registration of E-invoice standing order (ERRA) |
| Other payment services Standing orders |
- | At Customer Service Center or via Customer Support: EUR 5 Via Digital Channels: Free Amendment and cancellation |
| Other payment services Standing orders |
EUR 0.36 per each payment Regular invoice payment/ E-invoice standing order (ERRA) |
According to the payments price list E-invoice standing order payment |
| Other payment services Other services |
EUR 1 Payment transaction printout and confirmation at Service places |
EUR 3 Payment transaction printout and confirmation |
| Other payment services Revocation, amendment and search of payment order |
EUR 20 Payments written off from Customer's account, but not transferred outside Bank |
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| Other payment services Revocation, amendment and search of payment order |
EUR 50 SEPA Payments, International and Currency Payments:* - up to 6 months after receipt of payment order |
EUR 50 + extra costs Other payments: (1) - up to 6 months after receipt of payment order |
| Other payment services Revocation, amendment and search of payment order |
EUR 100 - over 6 months after receipt of payment order |
EUR 100 + extra costs Other payments: (1) - over 6 months after receipt of payment order |
| Payments Salary payments |
- | Free Payment in Euros between Luminor Latvia accounts |
| Payments Salary payments |
- | EUR 0.36 Payments in Euros to Latvia and Single Euro Payments Area (1) member states Footnotes: (1) Full list of countries can be found on the European Central Banks' webpage here |
| Product name in price list | Fee and name currently | Fee and name starting from 01.09.2020 |
|---|---|---|
| SWIFT services Current account information (SWIFT report MT940/MT941/MT942)* |
Footnotes: * The service is only available if the operations are performed from the Account, which number contains letters “NDEA” (LVxxNDEAxxxxxxxxxxxxx). |
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| SWIFT services Current account information (SWIFT report MT940/MT941/MT942)* |
EUR 50 - registration |
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| SWIFT services Current account information (SWIFT report MT940/MT941/MT942)* |
Free - monthy fee of report sending/receiving to/from Nordea group bank** accounts as well as accounts with the BIC code NDEALT2X or NDEAEE2X, or NDEALV2X Footnotes: ** Nordea Group is Nordea Bank AB and its branches. Luminor Bank AS (in Latvia and Estonia), Luminor Bank AB (in Lithuania) are not Nordea Group. |
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| SWIFT services Current account information (SWIFT report MT940/MT941/MT942)* |
EUR 30 per account - monthy fee of report sending/receiving to/from other bank accounts |
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| SWIFT services Payment services (SWIFT MT101)* |
Footnotes: * The service is only available if the operations are performed from the Account, which number contains letters “NDEA” (LVxxNDEAxxxxxxxxxxxxx). |
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| SWIFT services Payment services (SWIFT MT101)* |
EUR 15 - registration |
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| SWIFT services Payment services (SWIFT MT101)* |
Free - monthy fee of payment services to Nordea group bank** accounts as well as accounts with the BIC code NDEALT2X or NDEAEE2X, or NDEALV2X Footnotes: ** Nordea Group is Nordea Bank AB and its branches. Luminor Bank AS (in Latvia and Estonia), Luminor Bank AB (in Lithuania) are not Nordea Group. |
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| SWIFT services Payment services (SWIFT MT101)* |
Free - monthy fee of payment services from Nordea group bank** accounts as well as accounts with the BIC code NDEALT2X or NDEAEE2X, or NDEALV2X Footnotes: ** Nordea Group is Nordea Bank AB and its branches. Luminor Bank AS (in Latvia and Estonia), Luminor Bank AB (in Lithuania) are not Nordea Group. |
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| SWIFT services Payment services (SWIFT MT101)* |
EUR 30 - monthy fee of payment services to other bank accounts (for one registered BIC code) |
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| SWIFT services Payment services (SWIFT MT101)* |
According to Internal, Domestic and Europe EUR and foreign payments price lists - payment execution fee |
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| Product name in price list | Fee and name currently | Fee and name starting from 01.09.2020 |
|---|---|---|
| Accounts Current account opening and maintenance |
- | Account opening: (1) Footnotes: (1) Fees are paid upfront and are non-refundable |
| Accounts Current account opening and maintenance |
EUR 15 Opening of Temporary account* / Current accounts |
No change in fee Opening of Temporary account (2) / Current accounts for Latvian resident |
| Accounts Current account opening and maintenance |
- | EUR 100 Account opening for Luminor Group customer non-Latvian resident (4) Footnotes: (4) Luminor group banks: Luminor Bank AS, Lithuania Branch; Luminor Bank AS, Estonia. |
| Accounts Current account opening and maintenance |
Upon individual agreement, min. EUR 1000 Initial inspection of documents submitted by nonresident/ account opening |
No change in fee Account opening for Non-Latvian residents |
| Accounts Current account opening and maintenance |
Upon individual agreement, min, €1000 Initial inspection of documents submitted by electronic money institution and payment institution / RIKO*** account opening Footnotes: ***Account, which number contains letters “RIKO” (LVxxRIKOxxxxxxxxxxxxx). |
No change in fee Initial inspection of documents submitted by electronic money institution, payment institutions and banks |
| Accounts Current account opening and maintenance |
- | €500 per company Verification of non-EU resident shareholder (6) Footnotes: (6) The fee is charged to legal entities registered in Latvia whose shareholder is non-EU resident and is holding at least 25 per cent of the assets/shares/voting rights and such fee is paid before the verification and before making the decision on whether or not the business relations should be started/continued. |
| Accounts Current account opening and maintenance |
- | According to the agreement, min. €300 Account opening in Luminor group banks abroad (4) (7) Footnotes: (4) Luminor group banks: Luminor Bank AS, Lithuania Branch; Luminor Bank AS, Estonia. (7) This service is only available to Luminor Bank AS Latvian Branch customers. |
| Accounts Current account opening and maintenance |
EUR 5 per current account per month Maintenance of a Current RIKO*** account for electronic money institutions and payment institutions Footnotes: ***Account, which number contains letters “RIKO” (LVxxRIKOxxxxxxxxxxxxx). |
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| Accounts Current account opening and maintenance |
- | EUR 500 Monthly fee for electronic money institutions, payment institutions and banks |
| Accounts Current account opening and maintenance |
- | The annual interest rate set by the relevant Central bank (8) / (actual/360) Account balance monthly fee for other legal entities if the Bank notifies the client individually 30 calendar days in advance: - balance exceeds 10 000 000 EUR - balance exceeds 95 000 000 SEK - balance exceeds 75 000 000 DKK - balance exceeds 10 000 000 CHF - balance exceeds 1 320 000 000 JPY - balance exceeds 255 000 000 CZK Footnotes: (8) The annual interest rate set by the Central bank is: • for EUR currency – ECB deposit facility rate, • for SEK currency – Sveriges Riksbank repo rate, • for DKK currency – Danmarks Nationalbank Certificates of deposit rate, • for CHF currency – Swiss National Bank negative interest rate, • for JPY currency – Bank of Japan complementary deposit facility rate, • for CZK currency – Czech National Bank deposit facility rate. |
| Accounts Current account opening and maintenance |
0.20% per day Penalty for Delayed Payment for NDEA**** Footnotes: ****Account, which number contains letters “NDEA” (LVxxNDEAxxxxxxxxxxxxx). |
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| Accounts Escrow account |
0,4% of the transaction amount, min. EUR 75, max. EUR 500 Escrow account opening and preparation of the standard Escrow account agreement on transactions, if at the same time a loan with a pledge of real estate in favor of the bank is executed |
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| Accounts Escrow account |
0,4% of the transaction amount, min. EUR 75 Escrow account opening and preparation of the standard Escrow account agreement on transactions in amount of up to EUR 250 000,00 |
0,5% of the transaction amount, min. EUR 150 Escrow account opening: - with drafting of standard agreement |
| Accounts Escrow account |
As agreed, min. EUR 1000 Escrow account opening and preparation of the standard Escrow account agreement on transactions in amount over EUR 250 000,00 or non-standard agreement |
No change in fee - with drafting of non-standard agreemen |
| Accounts Escrow account |
0,1% of the transaction amount, min. EUR 50,00 Amendments to the Escrow account agreement |
No change in fee Amendments to: - standard Escrow account agreement |
| Accounts Escrow account |
As agreed Non-standard amendments to the Escrow account agreement |
As agreed, min. EUR 50 Amendments to: - non-standard Escrow account agreement |
| Accounts Escrow account |
Free Transfer of funds deposited at the Escrow account from the RIKO* Escrow account to an RIKO* account opened at the Bank Footnotes: * Account, which number contains letters “RIKO” (LVxxRIKOxxxxxxxxxxxxx). |
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| Product name in price list | Fee and name currently | Fee and name starting from 01.09.2020 |
|---|---|---|
| Other services References and account statements |
EUR 10 Preparation of a reference upon the Customer’s request*: - on the existence of an account, account transactions and account balance |
No change in fee Drafting of a reference upon the Customer’s request (1): - Standart reference about accounts (2) Footnotes: (2) Standard reference on opened/ closed account (incl. Temporary account); account balance; overdue liabilities for daily banking services. |
| Other services References and account statements |
- | EUR 40 - Standart reference about loans and transactions (3) Footnotes: (3) Standard reference on loan balance; fully repaid credit liabilities; non-existence of credit liabilities; approved / rejected loan; loan repayment quality; transactions in account, with card; used Regular payment and Regular invoice payment/ E-invoice standing order (ERRA). |
| Other services References and account statements |
By agreement, min. €40 - non-standard reference ordering |
By agreement, min. €55 - Non-standard references |
| Other services References and account statements |
EUR 7.50 NDEA** Account statement every 16th and the first day of the next month at the Bank or dispatch by registered mail (per Account) Footnote: **Account number, which contains letters “NDEA” (LVxxNDEAxxxxxxxxxxxxx). |
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| Other services References and account statements |
EUR 15 NDEA** Account statement every business day at the Bank or dispatch by registered mail (per Account) Footnote: **Account number, which contains letters “NDEA” (LVxxNDEAxxxxxxxxxxxxx). |
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| Other services References and account statements |
EUR 5 NDEA** MasterCard Business credit card invoice Footnote: **Account number, which contains letters “NDEA” (LVxxNDEAxxxxxxxxxxxxx). |
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| Other services References and account statements |
Free NDEA** Account statement every 16th and the first day of the next month or MasterCard Business credit card invoice through Internetbank Footnote: **Account number, which contains letters “NDEA” (LVxxNDEAxxxxxxxxxxxxx). |
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| Other Services | EUR 5 Mail delivery |
-EUR 5 -EUR 10 Mail delivery: - in Latvia - Abroad |
| Other services for legal entities | EUR 7 Preparation of a print-out of the Customer's annual report from LURSOFT databases |
EUR 10 Preparation of a print-out of the Customer's annual report |
| Product name in price list | Fee and name currently | Fee and name starting from 01.09.2020 |
|---|---|---|
| Deposits Term deposit account opening and maintenance |
1% of the Deposit amount to be transferred Termination of Term Deposit before the Last Day of Deposit Period* |
1% of the Deposit Principal amount, min. EUR 5 Termination of the Term Deposit before the Deposit maturity date (1) |
| Deposits Term deposit account opening and maintenance |
Free Transfer of the Deposit Amount or any part of it from the Savings account/ Open Term Deposit with the due prior notice: - at least 7 calendar days in advance |
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| Deposits Term deposit account opening and maintenance |
0,50% of the amount, min. EUR 3 - less than 7 calendar days in advance from the Savings Account with account number NDEA*** Footnotes: ***Account, which number contains letters “NDEA” (LVxxNDEAxxxxxxxxxxxxx). |
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| Deposits Term deposit account opening and maintenance |
0.50% of the amount, min. EUR 3 or USD 4 (if Savings Account currency is US Dollars) - less than 7 calendar days in advance from the Savings Account with account number NDEA*** Footnotes: ***Account, which number contains letters “NDEA” (LVxxNDEAxxxxxxxxxxxxx). |
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| Deposits Term deposit account opening and maintenance |
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Footnotes: Annual Interest Rates on Deposits can be found here |
| Deposits Annual interest rates on Term deposits |
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| Product name in price list | Fee and name currently | Fee and name starting from 01.09.2020 |
|---|---|---|
| Digital Channels Internet bank |
Free Service fee* |
No change in fee Internet bank service fee (1) |
| Digital Channels Internet bank |
EUR 18*** - Code calculator issuance Footnotes: *** Code calculator Digipass 270 for accessing NDEA account (account, which number contains letters “NDEA” (LVxxNDEAxxxxxxxxxxxxx)): Free of charge. |
EUR 18 Code calculator issuance or replacement Footnotes: - |
| Digital Channels Internet bank |
EUR 10 Code calculator replacement fee |
EUR 18 Code calculator issuance or replacement |
| Digital Channels Internet bank |
EUR 4 Unblocking of Code calculator |
EUR 5 Unblocking of Code calculator in a Customer Service Center |
| Digital Channels Electronic Settlement System service for corporate clients (eBank, Bridge) |
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| Digital Channels Services Accessible with identification codes |
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| Digital channels Web services channel |
Footnotes: The service is only available if the operations are performed from the Account, which number contains letters “NDEA” (LVxxNDEAxxxxxxxxxxxxx). |
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| Digital channels Web services channel File-sharing application |
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| Digital channels Web services channel File-sharing services |
According to Internal, Domestic and Europe EUR and foreign payments price lists - Payment execution fee Footnotes: * The service is only available if the operations are performed from the Account, which number contains letters “NDEA” (LVxxNDEAxxxxxxxxxxxxx). |
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| Digital channels Bridge |
- | EUR 30 Hardware token issuance or replacement |
| Digital channels Bridge |
EUR 7.50 System modification fee (per change) |
No change in fee Agreement amendment fee |
| Digital channels Bridge |
According to the payments price list Payment fees |
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| Product name in price list | Fee and name currently | Fee and name starting from 01.09.2020 |
|---|---|---|
| Leasing Luminor Līzings Latvija SIA price list (DNB) |
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| Leasing Fees for leasing services Luminor Līzings SIA price list for leasing services |
1,5% of leasing object price, min. EUR 165* when buying co-operation partners within the framework of shares, min. € 130,00 Commitment fee for Corporate clients |
1.5% of leasing object price, min. EUR 165 No change in fee name |
| Leasing Fees for other leasing services Luminor Līzings SIA and Luminor Līzings Latvija SIA price list for leasing services |
up tp EUR 12 CSDD commission fee* |
No change in fee Road Traffic Safety Directorate's (CSDD) commission fee* |
| Leasing Fees for other leasing services Luminor Līzings SIA and Luminor Līzings Latvija SIA price list for leasing services |
EUR 5 for each page Production of document copies and retrieval from archive |
No change in fee Issuing of document copies and retrieval from archive |
| Leasing Fees for other leasing services Luminor Līzings SIA and Luminor Līzings Latvija SIA price list for leasing services |
EUR 15 Preparation of statements on lease liabilities |
EUR 20 Preparation of standard notices (notice on lease liabilities, incl. agreements, paid interest, debt and coordination of comparative acts) |
| Leasing Fees for other leasing services Luminor Līzings SIA and Luminor Līzings Latvija SIA price list for leasing services |
Up to EUR 50 Drafting and production of non-standard statements |
No change in fee price Preparation of non-standard notices |
| Leasing Fees for other leasing services Luminor Līzings SIA and Luminor Līzings Latvija SIA price list for leasing services |
EUR 25 Drafting of authorization to leave the territory of the European Union |
- |
| Leasing Fees for other leasing services Luminor Līzings SIA and Luminor Līzings Latvija SIA price list for leasing services |
EUR 20 Granting consent to install LPG equipment on Lease Object |
No change in fee Granting consent to install LPG equipment on or perform other rebuilding of Lease Object |
| Leasing Fees for other leasing services Luminor Līzings SIA and Luminor Līzings Latvija SIA price list for leasing services |
- | EUR 85 Preparation of reports upon the customer's request |
| Product name in price list | Fee and name currently | Fee and name starting from 01.09.2020 |
|---|---|---|
| Trade finance Guarantees |
EUR 100 Issuance of a guarantee: - issuance of a guarantee against term deposit/cash pledge within 3 business days |
No change in fee Guarantee issuance: if secured by cash cover/term deposit pledge |
| Trade finance Guarantees |
As agreed, min. EUR 150 - issuance of a guarantee within 3 business days |
No change in fee if secured by another collateral |
| Trade finance Guarantees |
As agreed, minimum EUR 250 - issuance of an urgent guarantee Footnotes: - |
EUR 100 / EUR 70 Urgent issuance /amendment of a guarantee (1) Footnotes: (1) An extra fee to Guarantee issuance/amendment fee. Urgent guarantee is issued or amended within one working day from the moment of submitting the application filled in correctly and signed properly with the Bank. When submitting the application, all of the conditions for guarantee issue or amendment shall be met. |
| Trade finance Guarantees |
EUR 200 - issuance of an urgent guarantee against term deposit/cash pledge |
- |
| Trade finance Guarantees |
1% of the guarantee amount per year, minimum EUR 40.00* Use of guarantee / Guarantee commission:* - if secured by term deposit/cash pledge* Footnotes: * If the account for the provision of services and term deposit funds is using an account which number contains letters “NDEA” (LVxxNDEAxxxxxxxxxxxxx) minimum commission is not fixed. |
No change in fee Use of guarantee: if secured by cash cover/term deposit pledge Footnotes: - |
| Trade finance Guarantees |
As agreed, minimum EUR 80.00* - in case of another security* Footnotes: * If the account for the provision of services and term deposit funds is using an account which number contains letters “NDEA” (LVxxNDEAxxxxxxxxxxxxx) minimum commission is not fixed. |
No change in fee if secured by another collateral Footnotes: - |
| Trade finance Guarantees |
EUR 80 Amendments to the conditions of the guarantee: - issuance of a guarantee amendment within 3 business days |
No change in fee Guarantee amendment |
| Trade finance Guarantees |
EUR 150 Amendments to the conditions of the guarantee: - issuance of an urgent guarantee amendment |
- |
| Trade finance Guarantees |
EUR 70 Cancellation of guarantee |
EUR 75 Cancellation of guarantee/guarantee application |
| Trade finance Guarantees |
EUR 70 Preparation of a guarantee draft (applicable only if the guarantee is not issued) |
EUR 80 No change in fee name |
| Trade finance Guarantees |
EUR 85 Advice of a guarantee issued by another bank |
No change in fee Advice of guarantee or it's amendment issued by another bank |
| Trade finance Guarantees |
EUR 80 Advice of a guarantee amendment issued by another bank |
- |
| Trade finance Guarantees |
EUR 35 Examination of the wording/Verification of authenticity of a guarantee issued by another bank (applicable if the Bank is not the advising bank) |
EUR 40 Verification of authenticity of a guarantee issued by another bank (applicable if the Bank is not the advising bank) |
| Trade finance Guarantees |
EUR 35 Notification of assignment of proceeds under a guarantee |
- |
| Trade finance Guarantees |
EUR 150 Handling of a counterguarantee issued by another bank serving as a security for a loanother financial instruments |
EUR 250 + agreed risk fee Guarantee issuance at the request of another bank |
| Trade finance Guarantees |
EUR 75 Notification of readiness to issue a guarantee |
No change in fee Preparation of inquiry or information at the customer's request |
| Trade finance Guarantees |
EUR 64 Issuance of a duplicate of a guarantee |
- |
| Trade finance Guarantees |
0.25% from requested amount, min. EUR 350 max. EUR 1000 Handling of demand for payment |
0.25% of claimed amount, min. EUR 350 Handling of demand for payment under guarantee |
| Trade finance Guarantees |
- | Actual costs Documents handling and sending by courier |
| Trade finance Guarantees |
- | As agreed Agreement/Agreement amendment |
| Trade finance Documentary collection |
EUR 45 Notification of collection order |
No change in fee Advice of collection instructions / Handling of collection |
| Trade finance Documentary collection |
EUR 40 Collection order changes advice |
No change in fee Amendment of collection instructions |
| Trade finance Documentary collection |
0.20% of the document amount, minimum EUR 50, maximum EUR 450 Delivery of documents against payment or draft acceptance |
No change in fee Payment of documents |
| Trade finance Documentary collection |
EUR 45 Acceptance of documentary collection order |
- |
| Trade finance Documentary collection |
EUR 85 Issuance of documents without payment / Return of unpaid documents |
No change in fee Release or return of unpaid documents |
| Trade finance Documentary collection |
€85 and notary protest fee set Handling of protest |
- |
| Trade finance Documentary collection |
EUR 70 Execution of letter of authority to receive the goods addressed to the Bank |
No change in fee Assignment of goods |
| Trade finance Documentary collection |
- | Actual costs Documents handling and sending by courier |
| Trade finance Import Letters of Credit |
0,5% p.a. of the amount, minimum EUR 50,00* Use of the Letter of Credit/Letter of Credit commission*: - if secured by financial pledge on cash on the account Footnotes: commission is as agreed, minimum commission is not fixed. |
No change in fee Use of letter of credit: -if secured by cash cover Footnotes: - |
| Trade finance Import Letters of Credit |
As agreed, minimum EUR 100,00* Use of the Letter of Credit/Letter of Credit commission*: - in case of another security Footnotes: * If the account for the provision of services and term deposit funds is using an account which number contains letters “NDEA” (LVxxNDEAxxxxxxxxxxxxx) |
No change in fee Use of letter of credit: -if secured by another collateral Footnotes: - |
| Trade finance Import Letters of Credit |
EUR 85 Issuance of Letter of Credit amendment |
No change in fee Letter of credit amendment |
| Trade finance Import Letters of Credit |
EUR 85 Consideration of documents not conforming to the Letter of Credit provisions** Footnotes: ** This fee is withheld from the benificiary of the Letter of Credit. |
EUR 90 Documents discrepancy fee (paid by beneficiary of the letter of credit) Footnotes: - |
| Trade finance Import Letters of Credit |
- | Actual costs Documents handling and sending by courier |
| Trade finance Import Letters of Credit |
- | Ass agreed Agreement/Agreement amendment |
| Trade finance Export Letters of Credit |
0,25% of the document amount, minimum EUR 90,00 Verification and payment of documents |
No change in fee Handling/Checking of documents (for each set of documents) |
| Trade finance Export Letters of Credit |
EUR 85 Return of discrepant documents |
- |
| Trade finance Export Letters of Credit |
Actual costs Documents handling and sending by courier |
| Product name in price list | Fee and name currently | Fee and name starting from 01.09.2020 |
|---|---|---|
| Investments services Investing in securities |
0,30%, min. EUR 5,70* Purchasing equities at stock exchanges of the Baltic states |
0.30% of the amount, min. EUR 5.70 Purchasing and selling equities at stock exchanges of the Baltic states (2) |
| Investments services Investing in securities |
0,30%, min. EUR 2,85* Selling equities at stock exchanges of the Baltic states |
0.30% of the amount, min. EUR 5.70 Purchasing and selling equities at stock exchanges of the Baltic states (2) |
| Investments services Investing in securities |
0,50%, min. EUR 50,00 Purchase / sale of equities at Eurozone stock exchanges (except the Baltic states) |
0.50% of the amount (min. EUR 50 / min. 65 USD) Purchasing and selling of equities at Eurozone stock exchanges (except the Baltic states) |
| Investments services Investing in securities |
0,50%, min. USD 50,00 Purchase / sale of equities at the US stock exchanges |
0.50% (min. EUR 50 / min. 65 USD) Purchasing and selling stocks/ETF in internet bank |
| Investments services Investing in securities |
0,50%, min. USD 50,00 Purchase / sale of equities at other foreign stock exchanges |
0.50% (min. EUR 50 / min. 65 USD) Purchasing and selling stocks/ETF in internet bank |
| Investments services Investing in securities |
0,50%, min. EUR 40,00 Purchase/sale of ETFs |
0.50% (min. EUR 50 / min. 65 USD) Purchasing and selling stocks/ETF in internet bank |
| Investments services Investing in securities |
Free Sale of index-linked bonds Footnotes: - |
0.2% Sale of index linked bond in secondary market (1) Footnotes: (1) Sell order may be subject to the third-party commissions, which will be included in the price of securities. |
| Investments services Investing in securities |
- | Trading in mutual funds: (3) Footnotes: (3) Luminor Bank AS Latvain Branch receives inducements (commission) from investments fund managers for the distribution of investment fund units to the clients. The rates of commission received differ by investment fund. For further information on the inducements received and paid by Luminor Bank AS please refer to the document „General Information on Inducements“ available on the website of the Bank at the address. |
| Investments services Investing in securities |
1.5%* Purchase of mutual fund certificates: - Fund funds, stock funds |
1 % of the transaction amount (min. 1 Eur / 1.30 USD) Investing in Nordea mutual funds via Luminor internet bank |
| Investments services Investing in securities |
1%* - Balanced funds |
1 % of the transaction amount (min. 1 Eur / 1.30 USD) Investing in Nordea mutual funds via Luminor internet bank |
| Investments services Investing in securities |
0.5%* - Bond funds, Reserve funds |
1 % of the transaction amount (min. 1 Eur / 1.30 USD) Investing in Nordea mutual funds via Luminor internet bank |
| Investments Mutual funds |
Footnotes: *Minimum fee for a fund that is not managed by Nordea Group companies is EUR 20,00. Minimum investment amount for Nordea funds: EUR 50,00 or equivalent in other currency, if a higher minimum investment amount is not fixed for a specific sub-fund in the prospectus. Minimum investment amount for other funds: EUR 1,000.00 unless a higher minimum investment amount is stated in the fund's prospectus. |
|
| Investments services Investing in securities |
EUR 7,15 / USD 8,50 / SEK 70,00 / NOK 70,00 / DKK 55,00 Sale of DNB and Nordea Fund certificates |
1 % of the transaction amount (min. 1 Eur / 1.30 USD) Investing in Nordea mutual funds via Luminor internet bank |
| Investments services Investing in securities |
EUR 20,00 / USD 24,00 / NOK 190,00 Sale of other investment fund certificates |
1 % of the transaction amount (min. 15 Eur / 20 USD) Investing in mutual funds via Luminor internet bank |
| Investments services Investing in securities |
Free Switch of Nordea investment fund certificates** Footnotes: **Switch is allowed only between sub-funds within the same fund family (Nordea 1, SICAV or Nordea Fund of Funds, SICAV) and the same currency. Price of Nordea investment fund shares for a particular transaction shall be determined in accordance with Nordea investment fund prospectus, most commonly one or two business days after submitting an order (depending on the respective fund). In case the order is submitted on holiday or on business day after 16:00, it will be considered to have been received on the next business day. Settlement will be made according to the prospectus of the relevant fund. The fee is charged for executed or partially executed transaction only. It is debited in transaction trade currency or its equivalent in another currency pursuant to the currency exchange rate imposed by the Bank as of the settlement date. Some stock exchanges may charge additional duties or levies. |
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| Investments services Securities account monthly maintenance fee |
Custody fee (monthly payment)*: Footnotes: *For agreements, which specify that an account with letters “RIKO” (LVxxRIKOxxxxxxxxxxxxx) is to be primarily used for settlement, the fee for the custody of financial instruments shall be calculated based on the account value on the last business day of the month. The fee shall be calculated from the market value of financial instruments placed on the account or from the par value for illiquid financial instruments. For agreements, which specify that an account with letters “NDEA” (LVxxNDEAxxxxxxxxxxxxx) is to be primarily used for settlement, the monthly fee is calculated based on financial instruments account balance value on the last business day of the month. Debt securities, non-liquid shares (shares that have not been traded on stock exchange in the respective month) are valued at their nominal value. Shares are valued according to the last reported transaction price in the respective calendar month. Extra fees apply for custody of American depository receipts (ADR) and global depository receipts (GDR). Note: For the purpose of this pricelist terms "financial instruments" and "securities" should be treated as interchangeable. Reference to "securities" shall mean the same as reference to "financial instruments". |
Custody fee (monthly payment): Footnotes: Custody fee is calculated and debited from current account by the 15th calendar day of the following month. Custody fee is calculated based on the portfolio value on the last business day of the current month. Portfolio value is calculated based on nominal value for bonds and non-listed securities, market value for equities and exchange traded funds, net asset value (NAV) of the investment fund units. Where the market value of the securities is not available, most recent available price shall be used for portfolio value calculation. Where such market value is not available either, the portfolio value of the securities shall be calculated based on the nominal value of the securities. Safekeeping fee is calculated in Euro, for securities issued in foreign currencies fee is calculated in accordance with the official exchange rate announced by the European Central Bank. |
| Investments services Reports and notifications |
Bank's costs + 10% Investigation of financial instruments transactions and related events Footnotes: - |
Bank's costs + 10% No change in fee name Footnotes: 10% is calculated from the Corporate Action reclaim amount, which we will receive after investigation. |
| Luminor Trade platform | Custody feesfor stocks and ETFs Footnotes: - |
Custody fees (1) for stocks and ETFs Footnotes: (1) The custody fee will be calculated daily using the end of day portfolio values and charged on a monthly basis (excluding VAT where applicable). For any currency conversions to EUR, our partner SAXO bank uses market spot exchange rate adding 0.5% margin on top. A spot exchange rate is the current price level in the market to directly exchange one currency for another, for delivery on the earliest possible value date which is provided by most Electronic Communication Network (ECN) brokers (e.g. Reuters). |
| Luminor Trade platform | Free Exchange Data Subscription* Footnotes: *For clients who trade equities and subscribe to real time market data, Luminor Bank has introduced a refund scheme where fees are refunded. Read more about Exchange Data Subscription here. |
Fee is applied according to the service provider pricelist Subscription to real time data Footnotes: - |
| Luminor Trade platform | EUR 90 Annual withholding tax on income earned in USA** |
No change in fee Fee for U.S. source income reporting to IRS (2) |
| Luminor Trade platform | The fee is applied according to the "Tax reclaim Service for beneficial Owners" pricelist Tax Reclaim Service for Beneficial Owners*** |
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| Luminor Trade platform | EUR 2,00 / USD 2,70 / GBP 1,70 / NOK 17,00 / SEK 18,00 / PLN 9,00 Money transactions**** Footnotes: **** Fixed fees for cash transfers from Luminor Trade account. |
2 EUR/ 2,70 USD / 1,70 GBP / 17 NOK / 18 SEK / 15 DKK Cash transfer from Luminor Trade account Footnotes: - |
| Luminor Investor | - |