Current accounts
| Product name in price list | Fee price and name currently | Fee price and name starting from 01.11.2022 | Type of change |
|---|---|---|---|
| Account maintenance | €30 Additional maintaining the account monthly fee for: - the application of enhanced due diligence measures (5) (6) (5) The fee is applied to customers whose field of activity includes: Organization and running of lotteries and gambling Business related to ferrous, non-ferrous or precious metals, gems, jewellery Trade in arms and ammunition Virtual currency trading / activities related to virtual currencies Electronic money institution / activities related to electronic money Payment institution / provision of payment services Financial services and currency exchange / financial mediation (6) Monthly fee may also be applied for customers carrying out activities other than listed under footnote (5). Bank informs such customers individually about the applicable monthly fee 30 calendar days in advance. |
New fee |
Payment cards
| Product name in price list | Fee price and name currently | Fee price and name starting from 01.11.2022 | Type of change |
|---|---|---|---|
| Card transactions VISA Business Debit |
0.5% of the transaction amount, min. €1 Cash withdrawal at ATMs in Latvia and abroad - Luminor (Latvia, Lithuania, Estonia) |
1% of the transaction amount, min. €1 Cash withdrawal at ATMs in Latvia and abroad - Luminor (Latvia, Lithuania, Estonia) |
Fee price changed |
| Provision of credit card (producing and maintenance) VISA Business Credit |
€5 Replacement of Card (in case of loss, theft, wear, damage or other defects) - VISA Business (along with Priority Pass and travel insurance) |
Replacement of Card (in case of loss, theft, wear, damage or other defects) €5 - VISA Business €10 - Visa Business with Priority Pass (1) (1) When replacing Visa Business card to which a Priority Pass is linked, both cards are replaced. |
Fee price changed |
| Other cards' related services VISA Business Credit |
Priority Pass ordering and maintenance €15 - opening €10 - replacement €15 - annual fee (starting from the second year) |
New fee | |
| Delivering the Priority Pass Free - by post to an address in Latvia €10 - by post to an address abroad |
New information about delivering the Priority Pass |
Payments
| Product name in price list | Fee price and name currently | Fee price and name starting from 01.11.2022 | Type of change |
|---|---|---|---|
| Payments to European countries | €14 Urgent Euro payment (2) (2) Urgent payments to TARGET2 direct member banks. Full list of banks can be found on the European Central Banks' webpage. |
€14 Urgent Euro payment (2) (2) Urgent payments to EEA member states. The full list of countries can be found here. |
Footnote adjusted |
| Payments to other countries (1) and Payments to other banks (1) |
€11 Ordinary SHA payment (2) (2) SHA (Shared) – the payer and the beneficiary each pay the charges: the Customer pays the Bank fee, the recipient pays beneficiary bank and correspondent/intermediary banks fees (such fees may be withheld from the transferred amount). |
€13 Ordinary SHA/SHAR payment (2) (2) SHA/SHAR (Shared) – the payer and the beneficiary each pay the charges: the Customer pays the Bank fee, the recipient pays beneficiary bank and correspondent/intermediary banks fees (such fees may be withheld from the transferred amount). |
Fee price changed |
| €14 Urgent SHA payment (2) (2) SHA (Shared) – the payer and the beneficiary each pay the charges: the Customer pays the Bank fee, the recipient pays beneficiary bank and correspondent/intermediary banks fees (such fees may be withheld from the transferred amount). |
€16 Urgent SHA/SHAR payment (2) (2) SHA/SHAR (Shared) – the payer and the beneficiary each pay the charges: the Customer pays the Bank fee, the recipient pays beneficiary bank and correspondent/intermediary banks fees (such fees may be withheld from the transferred amount). |
Fee price changed | |
| €36 Express OUR payment (3) (3) OUR (all fees for payer) – when a payment is sent with the charge type OUR, all fees by the beneficiary’s bank and/or by the correspondent banks will be covered by the payer. However, the Bank shall not be held liable if the beneficiary does not receive the full payment amount due to other reasons beyond the Bank's control (additional charges may be deducted by correspondent/ intermediary banks from the transferred amount). |
€46 Express OUR/DEBT payment (3) (3) OUR/DEBT (all fees for payer) – when a payment is sent with the charge type OUR, all fees by the beneficiary’s bank and/or by the correspondent banks will be covered by the payer. However, the Bank shall not be held liable if the beneficiary does not receive the full payment amount due to other reasons beyond the Bank's control (additional charges may be deducted by correspondent/ intermediary banks from the transferred amount). |
Fee price changed |
Loans
| Product name in price list | Fee price and name currently | Fee price and name starting from 01.11.2022 | Type of change |
|---|---|---|---|
| All loan products | 1% of the loan amount, min. €250 (Agreement is signed electronically and application was sent using e-channels: 1% of the loan amount, min. €150) Agreement fee |
1% of the loan amount, min. €150 Agreement fee |
Fee price changed |
| 1% of the loan amount, min. €250 (Agreement is signed electronically and application was sent using e-channels: 1% of the loan amount, min. €150) Agreement amendment fee |
1% of the loan amount, min. €150 Agreement amendment fee |
Fee price changed |
Leasing
| Product name in price list | Fee price and name currently | Fee price and name starting from 01.11.2022 | Type of change |
|---|---|---|---|
| Fees for Leasing services | 1.5% of the repaid principal, but not less than €60.50 Commission fee from legal entities and private customers engaged in economic activity in case the loan principal is reduced or repaid before maturity (2) (2) Repayment of liabilities before maturity entails also the payment of reasonable interest if the agreement was signed at a fixed interest rate. Interest losses are calculated by Luminor Līzings SIA on the date of early repayment. |
1.5% of the repaid principal, but not less than €60.50 Commission fee for legal entities and private customers engaged in economic activity in case the principal is reduced or repaid before maturity |
Fee name adjusted, footnote removed |
| 1.5% of the paid financed amount, but not less than €90.75 Additional commission fee for legal entities and private customers engaged in economic activity in case the financed amount is repaid before maturity in partial or full amount for agreements with fixed interest rate (2) (2) This fee is applied in addition to the fee related to the principal reduction or repayment before maturity. |
New fee | ||
| 1.5% of the outstanding financing amount, but not less than €90.75 Additional commission fee for legal entities and private customers engaged in economic activity in case the fixed interest rate is amended to another base interest rate type or another fixed interest rate (refixing) (3) (3) This fee is applied in addition to the fee related to the amendmets to the agreement. |
New fee |
Digital channels
| Product name in price list | Fee price and name currently | Fee price and name starting from 01.11.2022 | Type of change |
|---|---|---|---|
| Internet bank | €18 Code calculator Digipass 270 issuance or replacement |
€18 Code calculator Digipass 270 issuance or replacement (3) (3) A code calculator is linked to a private person’s Internet bank username. |
New footnote added |
| €25 Code calculator Digipass 300C issuance or replacement (2) (2) Limited quantity available, therefore code calculator Digipass 270 could be issued in case of replacement. |
€25 Code calculator Digipass 300C issuance or replacement (2) (3) (2) Limited quantity available, therefore code calculator Digipass 270 could be issued in case of replacement. (3) A code calculator is linked to a private person’s Internet bank username. |
New footnote added | |
| €5 Change user settings, new additional user connection in a Customer Service Center (per user) (3) (3) Without increasing the overall number of users free of charge. |
€5 Change of Internetbank parameters (users, user settings, payment limits, etc.) with the involvement of a Bank employee (per user) |
Fee name adjusted, footnote removed | |
| Free Change user settings, new additional user connection in Internet bank (per user) (3) (3) Without increasing the overall number of users free of charge. |
Free Change of Internetbank parameters (users, user settings, payment limits, etc.) within Internetbank's environment (without the involvement of a Bank employee) |
Fee name adjusted, footnote removed | |
| Bridge | €20 Agreement amendment fee |
€20 Change of Bridge parameters (e.g. users, settings, limits, etc.) with the involvement of a Bank employee (1) (1) Change of Bridge parameters within Bridge's environment without the involvement of a Bank employee is free of charge. |
Fee name adjusted, footnote added |
Investments
| Product name in price list | Fee price and name currently | Fee price and name starting from 01.11.2022 | Type of change |
|---|---|---|---|
| Financial Instrument account Other Financial instrument account related services |
If the Bank is obliged to pay any taxes, fees, interest, penalties or incur other costs that are not covered in the Bank’s Price List and are related to the provision of securities safekeeping, execution and any other relevant service to the Client, and which are not caused by the Bank's gross negligence or wilful misconduct, the Bank shall have the right to debit such amounts from the customer’s Current Account without prior Client’s consent. | New footnote | |
| Luminor Investor platform Securities Trading |
0.1% of Trade amount BlackRock ESG multiasset ETFs: 1) BlackRock ESG Multi-Asset Conservative Portfolio UCITS ETF (ISIN: IE00BLP53M98) 2) BlackRock ESG Multi-Asset Moderate Portfolio UCITS ETF (ISIN: IE00BLLZQS08 ) 3) BlackRock ESG Multi-Asset Growth Portfolio UCITS ETF (ISIN: IE00BLLZQ805) |
New fee | |
| Luminor Investor platform Other Luminor Investor platform related services |
8% per annum (2) Interest for negative cash account balance in Luminor Investor platform (2) Interest on the negative Luminor Investor cash account balance is calculated at the rate of the current interbank ask rate, plus fixed additional interest rate of 8%. Interest is deducted at the beginning of the month for the days of the previous month when account had a negative cash balance. |
Fee removed |
Trade Finance
| Product name in price list | Fee price and name currently | Fee price and name starting from 01.11.2022 | Type of change |
|---|---|---|---|
| Bank guarantees | 1% p.a., min, €40 Use of guarantee - if secured by cash cover/ term deposit pledge |
1% p.a., min, €50 Use of guarantee - if secured by cash cover/term deposit pledge |
Fee price changed |
| Letters of credit Import letters of credit |
0.2% of the amount, min. €150 Letter of credit issuance |
€150 Letter of credit issuance |
Fee price changed |
| 0.5% p.a., min. €50 Use of letter of credit - if secured by cash cover |
1% p.a., min. €50 Use of letter of credit - if secured by cash cover |
Fee price changed | |
| 0.15% of the amount, min. €100 Deferred payment administration |
€100 Deferred payment administration |
Fee price changed | |
| €90 Documents discrepancy fee (paid by beneficiary of the letter of credit) |
€125 Documents discrepancy fee (paid by beneficiary of the letter of credit) |
Fee price changed | |
| Letters of credit Export letters of credit |
0.15% of the amount, min. €100 Deferred payment administration |
€100 Deferred payment administration |
Fee price changed |